Financial Crimes Enforcement NetworkFinancial Crimes Enforcement Network FinCEN Currency Transaction...

Financial Crimes Enforcement Network

FinCEN Currency Transaction Report

(FinCEN CTR) Electronic Filing Requirements Release Date March 2015 – Version 1.5

DEPARTMENT OF THE TREASURY

Financial Crimes Enforcement Network (FinCEN)


Electronic Filing Requirements for the FinCEN Currency Transaction Report (FinCEN CTR) ii

Table of Contents Revision History iv

Purpose 1

Electronic Filing 1

File Organization 2

Record Layouts 4

Transmitter (1A) Record – Required 4

Parent Financial Institution Information (2A) Record – Required 6

Financial Institution Where Transaction(s) Take Place (2B) Record – Required 8

Transaction Summary (3A) Record – Required 11

Foreign Cash-in (3B) Record 16

Foreign Cash-out (3C) Record 17

Person Involved in Transaction(s) (4A) Record – Required 18

Account Number (Cash-in) (4B) Record 23

Account Number (Cash-out) (4C) Record 24

Financial Institution Where Transaction(s) Takes Place Summary (9A) Record – Required 25

Parent Financial Institution Information Summary (9B) Record – Required 26

File Summary (9Z) Record – Required 27

Acknowledgement Record Formats 28

Acknowledgement Transmitter (1A) Record 28

Acknowledgement Parent Financial Institution (2A) Record 29

Acknowledgement Financial Institution Where Transaction(s) Take Place (2B) Record 29

Acknowledgement Transaction Summary (3A) Record 30

Acknowledgement Foreign Cash-in (3B) Record 31

Acknowledgement Foreign Cash-out (3C) Record 31

Acknowledgement Person Involved in Transaction(s) (4A) Record 32

Acknowledgement Account Number (Cash-in) (4B) Record 33

Acknowledgement Account Number (Cash-out) (4C) Record 33

Acknowledgement Trailer for Transmitter (9Z) Record 34

Attachment A – Error Code List 35


Electronic Filing Requirements for the FinCEN Currency Transaction Report (FinCEN CTR) iii

Attachment B – Error Correction Instructions 45

Attachment C – Electronic Filing Instructions 47

Batch File Sample Layouts 66

Secure Data Transfer Mode Users 70


Electronic Filing Requirements for the FinCEN Currency Transaction Report (FinCEN CTR) iv

Revision History Version

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Date Reason for Change

1.0 03/22/12 Updates electronic specification document title from “BSA Electronic

Requirements for Bank Secrecy Act Currency Transaction Report (BSA

CTR)” to “FinCEN Currency Transaction Report (FinCEN CTR) Electronic

Filing Requirements.” All references to “BSA CTR” have been changed to

“FinCEN CTR.”

Updates Date of birth (Item 17) instructions, located in Attachment C –

Electronic Filing Instructions, to include language that explains how to

enter dates on a discrete file vs. a batch file (i.e. MM/DD/CCYY for discrete

files; MMDDCCYY for batch files).

Updates Date of transaction (Item 23) instructions, located in Attachment

C – Electronic Filing Instructions, to include language that explains how to

enter dates on a discrete file vs. a batch file (i.e. MM/DD/CCYY for discrete

files; MMDDCCYY for batch files).

Updates Date Filed (Item 42) instructions, located in Attachment C –

Electronic Filing Instructions, to the following: “Item 42 Date filed: Enter

the date a batch filed FinCEN CTR is filed in MMDDCCYY format where

MM = month, DD = day, CC = century, and YY = year. Single digit days or

months must be prefaced by a zero. This date will automatically be added

to a discrete FinCEN CTR when a filer signs the FinCEN CTR.”

Updates Financial Institution ID Number Type (Item 39) Description and

Remarks to include the full description for each identification type (e.g.

“CRD number” changed to “Central Registration Depository (CRD)

number”)

Updates TIN Type (Item 16) Description and Remarks to refer the filer to

“Item 16 instructions in Attachment C for information on entering the

“TIN Type” when “TIN Unknown” contains “X.””

Updates the Account Number (Cash-in) (4B) Record introductory

paragraph to include the following statement: “There will be no 4B record

associated with a FinCEN CTR in the file if there is no account number

associated with the cash-in transaction(s) or no amount recorded in “Cash-

In Amount” in the Person involved in Transaction(s) (4A) Record.”

Updates the Account Number (Cash-out) (4C) Record introductory

paragraph to include the following statement: “There will be no 4C record

associated with a FinCEN CTR in the file if there is no account number

associated with the cash-out transaction(s) or no amount recorded in

“Cash-out Amount” in the Person involved in Transaction(s) (4A)

Record.”

Updates error code C414* in Attachment A – Error Code List to include the

following explanation as to why the TIN entry is invalid: “Person TIN is

an invalid number string such as all zeros, all nines, 123456789, or a U.S.

TIN and not nine digits.”


Electronic Filing Requirements for the FinCEN Currency Transaction Report (FinCEN CTR) v

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Removes the phrase “or person state unknown” from error code C430 in

Attachment A – Error Code List and replaces the reference to Field

Position “732a” with “786-787.”

Replaces the reference to “F07” error code with “F18” from the Error

Categories introductory paragraph, located in Attachment B –Error Code

Instructions.

Added the following clarifying language to the Error Codes Description

and Remarks (Acknowledgement Transmitter (1A) Record, pos. 30-119):

“…Error codes associated with this record begin with a “T,” are 3

alphanumeric characters in length, and are left-justified…”

Updates Total cash-in (Item 25) instructions, located in Attachment C –

Electronic Filing Instructions, to include the following statement: “The

total cash in will be automatically computed in BSA E-Filing discrete

FinCEN CTR from the entries in 25a through 25i and 25z.”

Deletes Attachment C – Field Editing Instructions and the data

incorporated as General Instructions “15. Prohibited words and phrases”

and “16. Name editing instructions” in Attachment D – Electronic Filing

Instructions. Attachment D was then re-named Attachment C in all

references to that attachment in the document.

Updates Total cash-out (Item 27) instructions, located in Attachment C –

Electronic Filing Instructions, to include the following statement: “The

total cash out will be automatically computed in BSA E-Filing discrete

FinCEN CTR from the entries in 27a through 27j and 27z.”

Removes “Identification” from Financial Institution ID Number (Item 39)

RSSD list option description, located in Attachment C – Electronic Filing

Instructions (i.e. Item 39d is now “Research, Statistics, Supervision, and

Discount (RSSD) number”)

Updates error code F88 in Attachment A – Error Code List to remove the

reference to “code” at the end of the error description. The updated

description for F88 is now “The Transmitter Control Code (TCC) specified

in the file is not a valid production TCC.”

Removes reference to BSA E-Filing website for ISO information from the

“Address” instructions located in Attachment C – Electronic Filing

Instructions, as no such information is posted to the BSA E-Filing site at

this time.

Removes “alphanumeric” as an invalid form of entry for the Transmitter

TIN in the 1A record, position 483-507.

Removes error code C430 “Person state contains an entry and the person

country code is not equal to CA, MX, or US” associated with Item 20 ID

issuing state.

Updates the location of the approved list of NAICS codes (Item 9) to

http://bsaefiling.fincen.treas.gov/main.html. The change can be seen in the

4A record, position 449-454, as well as Attachment C – Electronic Filing

Instructions.


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Updates the Description and Remarks associated with the ID Issuing State

(Item 20) in the 4A record (position 783-785) to the following: “REQUIRED

(conditional). Enter the appropriate two or three character code when the

identification was issued by a known state, province, or territory of the

United States, Canada, or Mexico. See General Instruction 10 in

Attachment D for information about the codes to be entered. Left justify

and space-fill the entry. Space-fill this field if “ID Issuing Country”

contains a country code other than “US,” “CA,” or “MX,” or if “ID Type”

contains “A.””

Adds the following lead sentence to the General Instructions “16. Name

Editing Instructions” of Attachment C – Electronic Filing Instructions:

“When recording the name of an individual, a filer should enter the last

name/family name or equivalent in a last name field, the first name or

equivalent in the first name field, middle name or equivalent in the middle

name field, and name suffix (such as JR, SR, III, etc) in the suffix field

whenever these fields are provided.”

Updates Attachment C – Electronic Filing Instructions for Item 2 to include

the following changes: “…Select option 2d if the transaction(s) were

conducted by the agent of a private courier service such as an armored car

company engaged by the person(s) involved in the transaction(s) and not

by the reporting financial institution. In that case the information on the

courier service’s agent will be recorded in Part I (see FIN-2009-R002).

Boxes 2a, 2b, and 2d cannot be checked if box 4b “If entity” is checked.”

Adds the following to General Instructions, located in Attachment C –

Electronic Filing Instructions: “Items that do not begin with an asterisk

must be completed if the data are known and will be left blank if the data

are unknown. If an item’s instructions differ from this general instruction,

the item instructions must be followed.”

Updates the General Instructions associated with “9. Corrected or

Amended Reports”, located in Attachment C – Electronic Filing

Instructions:

Changed “FinCEN Form 110” to “FinCEN Form 104.”

Revised the fifth sentence to state, “Field 1d must contain the

Document Control Number (DCN) or BSA Identifier (BSA ID)

assigned to the prior filing.”

Added this sentence to the end of General Instruction 9, “BSA IDs,

which replaced DCNs, are provided in acknowledgement records

sent to member financial institutions by the BSA E-Filing System.”

Updates the following Item Instructions, located in Attachment C –

Electronic Filing Instructions:

Added to Item 1 “/BSA Identifier” to “d. Document Control

Number.”

Added the following sentences to the end of the Item 1 instructions:

“Enter all zeros if the prior report DCN or BSA ID is unknown. The

BSA ID is replacing the DCN in all future electronic filings.”

Added a note to the instructions for Item 2 that states as follows:


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“NOTE: If more than one Item 2 option applies to a person involved

in the transaction(s), complete only one Part I on that person. If

multiple options that include 2d “Courier service” apply, check the

“Courier service” box. Check the box “Person conducting transaction

on own behalf” if options 2a, 2b, and 2c or options 2a and 2c apply. If

options 2b and 2c apply, check the box “Person conducting

transaction for another.””

In the Item 28 instructions changed all references to “26a” to “28a.”

1.1 09/19/2012 General Updates:

Financial Institution Where Transaction(s) Take Place (2B) Record

The maximum number of 2B records that can be associated with a

single currency transaction report has been increased from 99 to 999.

Person Involved in Transaction(s) (4A) Record

The maximum number of 4A records that can be associated with a

single currency transaction report has been increased from 99 to 999.

FinCEN CTR “report”

Replaces the reference to the FinCEN CTR as a “form” with “report”

throughout the document.

Acknowledgement File Format

Updates the acknowledgement file format to include User Field

values from incoming records.

Updates to File Organization:


Replaces “99” with “999” in the following sentence: “Filers are

permitted to associate up to 999 2B records for a single currency

transaction report.”

Person Involved in Transaction(s) (4A) Record

Replaces “99” with “999” in the following sentence: “Filers are

permitted to associate up to 999 4A records for a single currency

transaction report.”

Updates to Record Layouts:

Transmitter ZIP/Postal Code, Institution ZIP Code, and Items: 36/13

Updates the Description and Remarks to add the statement “or four

nines” to the following sentence: “A nine-digit entry cannot end with

four zeros or four nines …”


Updates to the introductory paragraph to add the following bold text:

"The number of 2B records is dependent on the number of branches

the Parent FI is reporting on the file; however, there can be no more

the 999 2B records associated with a single CTR reported in the

file."

Primary Federal Regulator (Item 2)

Updates the Description and Remarks to remove "where

transaction(s) occurred."

Alternate name, e.g., trade name, DBA (Item 31)

Updates the Description and Remarks to add "Do not include “AKA”


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or “DBA” with the alternate name."

EIN (Item 32)

Updates the Description and Remarks to replace "filer" with

"financial institution" in the second sentence.

Transaction Type (Item 24)

Updates the Description and Remarks by replacing "Check all that

apply" with "Multiple codes may be entered" and adding the sentence

"See the Item 24 instructions in Attachment C for information on

when to enter these codes."

Middle Name and Name Suffix (Item 6)

Updates the Description and Remarks by adding the following

statement (in bold): "Space-fill if no entry or if "Person Involved is

Entity" contains "X"."

TIN (Item 15)

Updates the Description and Remarks by adding the following

statement (in bold): “Foreign TINs may be as long as 25-digits, with

no formatting such as spaces, hyphens, or periods."

ID Issuing State (Item 20)

Updates the Description and Remarks by adding the following (in

bold): "Space-fill this field if “ID Issuing Country” contains a country

code other than “US,” “CA,” or “MX;” if the “ID Issuing State” is

unknown; or if “ID Type” contains “A.””

ID Issuing Country (Item 20)

Updates the Description and Remarks by replacing the last sentence

with the following: "Space-fill if “ID Type” contains “A” or if the “ID

Issuing Country” is unknown."

ID Number (Item 20)

Updates the Description and Remarks by replacing the last sentence

with the following: "Space-fill if “ID Type” contains “A” or if the “ID

Number” is unknown."

Attachment A – Error Code List:

Field Positions and Form Field Number

Updates the Field Positions column and Form Field Number column

for the following error codes to include the "Unknown" fields as part

of the validation: C402, C404, C405, C407, C408, C411, C413, C417.

Also updates the Field Name Item number associated with the fields

unknown option to include an "a" for the following fields: 4, 5, 10, 11,

12, 13, 14, 15, 17.

Attachment B – Error Code List:

Error Categories

Replaces the statement “fatal errors that result” with “format errors

that may result” in the first sentence of the section.

Correction Requirements

Adds the word “format” between “fatal” and “errors” in the first

sentence of the section. Adds the phrase “from a rejected batch file”

between “FinCEN CTRs” and “as corrected reports” in the last

sentence of the first paragraph in the section.


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Attachment C - Electronic Filing Instructions:

General Instructions (Item 16 Name Editing Instructions)

Updates “16. Name Editing Instructions” to match the instructions in

the FinCEN SAR and FinCEN DOEP.

Item Instructions (Item *1 Type of filing)

Updates the following sentences to replace the reference to "FinCEN

CTR" with "CTR": "Correct/amend prior report" if the report corrects

or amends a previously-filed CTR. See General Instruction 9 for

additional instructions on filing corrected or amended CTRs." Also,

updates the second to last sentence to state, “Enter all zeros if the

prior report DCN or BSA ID is unknown, for example when the prior

report was a paper filing.”

Item Instructions (Item 24)

Updates the instructions for Item 24 as follows (see bold text): "Check

box 24e “Aggregated transactions” if the financial institution did not

identify any of the transactor(s) because the FinCEN CTR reports

aggregated transactions, all of which were below the reporting

requirement, and at least one of the aggregated transactions was a

teller transaction."

Item Instructions (Items 25 Total cash in, and 27 Total cash out)

Updates the instructions for Item 25 and 27 by inserting “total or”

between “and” and “subtotals” in the second sentence.

Secure Data Transfer Mode Users

Updates the instructions to include a section describing the naming

convention information related to SDTM/System to System filers.

1.2 05/16/2013 Attachment C – Electronic Filing Instructions:

Item Instructions (Item 2)

Adds the statement, “Option 2b also cannot be selected if box 4b “If

entity” is checked.” Updates the instructions for option 2d to

reference updated guidance on Armored Car Service (ACS). Updates

the NOTE to include the following scenario: Select option 2a when

options 2a and 2b apply.

Item Instructions (Part III Financial Institution Where

Transaction(s) Takes Place)

Adds batch file examples displaying sample batch file layouts based

on different scenarios.

Updates to Record Layouts:

Total Cash-in (Item 25)

Updates the Description and Remarks to include as a new third

sentence, “The amount must match the total of all amounts entered in

Items 25a-z.”

Cash-in (Items 25a-z)

Updates the Description and Remarks to begin with “Required

(conditional) and inserts the phrase “included in this report” between

“amount” and “for” in the first sentence.

Total Cash-out (Item 27)

Updates the Description and Remarks to include as a new third


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sentence, “The amount must match the total of all amounts entered in

Items 27a-z.”

Cash-out (Items 27a-z)

Updates the Description and Remarks to begin with “Required

(conditional) and inserts the phrase “included in this report” between

“amount” and “for” in the first sentence.

1.3 12/30/2013 Item Instructions (Item 4)

Adds the statement, “If box 2d is checked to indicate an armored car

service under contract with the customer then box 4b must be

checked. If box 2d is checked to indicate any other type of private

courier under contract with the customer, box 4b must not be

checked.”

Item Instructions (Part III Financial Institution Where

Transaction(s) Takes Place)

Added the following definition of branch to introductory paragraph

on page 62: “A branch is a location (such as an office or ATM) owned

by the financial institution but located separately from the financial

institution’s headquarters.”

1.4 9/27/2014 Updates to Record Layouts

Financial Institution Where Transaction(s) Take Place (2B) Record:

o Replaced “Financial Institution Type Other Description” with

“Type of Financial Institution Other” in the Description and

Remarks for Type of Financial Institution (Item 37).

Transaction Summary (3A) Record:

o Replaced “Prior Report Document Control Number (DCN)” with

“Document Control Number or BSA Identifier” as the Field

Name.

Person Involved in Transaction(s) (4A) Record:

o Replaced “Access the NAICS Code list from the BSA E-Filing

Web Site” with “Use ONLY the NAICS Codes from the NAICS

Code list on the BSA E-Filing Web Site Access the NAICS Code

list from the BSA E-Filing Web Site

(http://bsaefiling.fincen.treas.gov/main.html). Use of NAICS

Codes not on this list is prohibited” in the Description and

Remarks for NAICS Code (Item 9).

Account Number (Cash-in) (4B) Record:

o Added “Do not include formatting such as spaces and hyphens

with the account number” in the Description and Remarks for

Account Number included in item 21 (Item 21a).

Account Number (Cash-out) (4C) Record:

o Added “Do not include formatting such as spaces and hyphens

with the account number” in the Description and Remarks for

Account Number included in item 22 (Item 22a).

Updates to Attachment C – Electronic Filing Instructions

General Instructions (5. Identification requirements):

o Replaced “In completing the FinCEN CTR, the financial


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institution must indicate on the report the method, type, and

number of the identification” with “In completing the FinCEN

CTR, the financial institution must indicate on the report the

type, number, and issuer of the identification.”

General Instructions (7. Definitions):

o Replaced “Organization – Entity other than an individual” with

“Entity – Person other than an individual.”

General Instructions (10. Addresses):

o Removed “Note: The ISO 3166-1 country list includes entries for

all U.S. territories. Do not use these U.S. territory entries, which

match the U.S. Postal Service abbreviations required in state

fields, in any country field.” Added “Note: The ISO 3166-1

country list contains entries for all U.S. territories, including the

United States Minor Outlying Islands. Do not use these U.S.

territory entries, which may match the U.S. Postal Service

abbreviations required in state fields, in any country field.”

Item Instructions (7. Gender):

o Replaced “Select option 7a Male or 7b Female if the person’s

gender is known. Select option 7c “Unknown” if the person’s

gender is unknown” with “Select the option “Male” or “Female”

if the individual’s gender is known. Select the option

“Unknown” if the individual’s gender is unknown.”

Item Instructions (9a. NAICS Code):

o Replaced “Access the list of NAICS Codes authorized for use in

the FinCEN CTR on the BSA E-Filing Web Site” with “Batch

filers should only enter codes from the list of NAICS Codes

authorized for use in the FinCEN CTR and located on the BSA E-

Filing Web Site (http://bsaefiling.fincen.treas.gov/main.html) or

from the NAICS list provided at https://www.census.gov/cgi-

bin/sssd/naics/naicsrch?chart=2012.”

1.5 03/15/2015 Updates to Attachment C – Electronic Filing Instructions

General Instructions (7. Addresses):

Removed “Note: The ISO 3166-1 country list contains entries for all U.S.

territories, including the United States Minor Outlying Islands. Do not

use these U.S. territory entries, which may match the U.S. Postal Service

abbreviations required in state fields, in any country field.”

This change was made as the discrete (online) reports were updated to

include the following entries in Country fields:

American Samoa, (AS)

Guam, (GU)

Marshall Islands (the), (MH)

Micronesia (the Federated States of), (FM)

Northern Mariana Islands (the), (MP)

Palau, (PW)

Puerto Rico, (PR)


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Virgin Islands (U.S.), (VI)

These values can now be used in Country fields to adhere to the ISO

3166-1 standard.

Update To General Instruction Item 33. Address

Changed the following sentence:

From:

Enter the financial institution's permanent street address, city,

two letter state abbreviation, and ZIP Code

To:

Enter the financial institution branch location’s permanent street

address, city, two-letter state abbreviation, and ZIP Code.

Item Instructions (Part III Financial Institution Where Transaction(s)

Takes Place)

Changed the following sentence:

From:

A branch is a location (such as an office or ATM) owned by the

financial institution but located separately from the financial

institution’s headquarters.

To:

A branch is a transaction location (such as an office or ATM)

owned by the financial institution but located separately from the

financial institution’s headquarters.

Item Instructions (First Name Unknown (Item 5a)

Removed last sentence in instructions indicating Otherwise, Space Fill

and replaced with:

Space-fill if “First Name” contains an entry or if “Person Involved is

Entity” contains “X.”

Updates to Batch File Layout Section

Added additional instruction and clarification for layout of batch

files.


Electronic Filing Requirements for the FinCEN Currency Transaction Report (FinCEN CTR) 1

Purpose The purpose of this document is to provide the requirements and conditions for electronically

filing the FinCEN Currency Transaction Report (FinCEN CTR). Electronic filing of this report

will be through the BSA E‐Filing System operated by the Financial Crimes Enforcement

Network (FinCEN). For more information on the BSA E‐Filing System and to register, please go

to http://bsaefiling.fincen.treas.gov. This document should be used in conjunction with the

“General Specifications for Electronic Filing of Bank Secrecy Act (BSA) Reports” (General

Specifications) available at http://www.fincen.gov/forms/files/e-filing_GENspecs.pdf. It is

recommended that you refer to the General Specifications first, and then the specific

information contained in this document. If the General Specifications conflict with any specific

requirement found in this document, the specific requirement should be followed. Additional

instructions concerning the data to be entered in the electronic file are found in Attachment C –

Electronic Filing Instructions.

Electronic Filing The BSA E‐Filing System Batch File Testing Procedures are detailed in a separate document that

can be accessed on the BSA E‐Filing System web site at http://bsaefiling.fincen.treas.gov under

Quick Links. For purposes of this document, the filer is the organization responsible for filing

the FinCEN CTR and the transmitter is the organization responsible for preparing the electronic

files. The filer and transmitter may be the same or different organizations. Filers are required to

retain a copy of the FinCEN CTR data and all original supporting documentation or business

record equivalent for five years from the date of the report.

http://bsaefiling.fincen.treas.gov/

http://www.fincen.gov/forms/files/e-filing_GENspecs.pdf

http://bsaefiling.fincen.treas.gov/



File Organization The following data controls must be followed or the FinCEN CTR electronic file will be rejected.

The data records must be in the following sequence for each report that is submitted in the

batch:

Transmitter (1A) Record – Required

There can only be one of this record type and it must be the first record on the file.

Parent Financial Institution Information (2A) Record – Required

There must be one of this record type for each Parent Financial Institution (FI) on the file. This

record type immediately precedes all records related to the Parent FI.

Financial Institution Where Transaction(s) Take Place (2B) Record – Required

There must be at least one of this record type for each financial institution reporting under the

Parent Financial Institution Information (2A) Record. This record type precedes all transaction

records for the financial institution. Filers are permitted to associate up to 999 2B records for a

single currency transaction report. Multiple 2B records must be grouped together prior to the

associated Transaction Summary (3A) Record(s)

Transaction Summary (3A) Record – Required

There can only be one of this record type for each currency transaction or aggregated

transactions being reported for the financial institution(s) identified in the associated 2B

record(s). Filers are permitted to associate more than one currency transaction report with a

single 2B record or a set of 2B records—assuming each financial institution where transaction(s)

take place is the same for all associated currency transaction reports that follow. Foreign Cash-

in (3B) Record and/or Foreign Cash-out (3C) Record will follow the 3A record if needed.

Foreign Cash-in (3B) Record

One or more of this record type may follow a Transaction Summary (3A) Record when one or

more types of foreign (cash-in) currency are involved in the currency transaction. A maximum

of 99 3B records may be associated with a single currency transaction report.

Foreign Cash-out (3C) Record

One or more of this record type may follow a Transaction Summary (3A) Record or Foreign

Cash-in (3B) Record when one or more types of foreign (cash-out) currency are involved in the

currency transaction. A maximum of 99 3C records may be associated with a single currency

transaction report.



Person Involved in Transaction(s) (4A) Record – Required

There must be one of this record type for each person involved in the currency transaction(s).

Filers are permitted to associate up to 999 4A records for a single currency transaction report.

An Account Number (Cash-in) (4B) Record and/or Account Number (Cash-out) (4C) Record

will follow the associated 4A record if needed.

Account Number (Cash-in) (4B) Record

One or more of this record type may follow the Person Involved in Transaction(s) (4A) Record

when one or more account numbers are included in the cash-in for the person involved in the

currency transaction(s). A maximum of 99 4B records may be associated with a Person Involved

in Transaction(s) (4A) Record.

Account Number (Cash-out) (4C) Record

One or more of this record type may follow the Person Involved in Transaction(s) (4A) Record

or Account Number (Cash-in) (4B) Record when one or more account numbers are included in

the cash-out for the person involved in the currency transaction(s). A maximum of 99 4C

records may be associated with a Person Involved in Transaction(s) (4A) Record.

Financial Institution Where Transaction(s) Take Place Summary (9A) Record – Required

There must be one 9A record for all Transaction Summary (3A) Records associated with one or

more Financial Institution Where Transaction(s) Take Place (2B) Records.

Parent Financial Institution Information Summary (9B) Record – Required

There must be one of this record type for each Parent FI 2A record reported on the file.

File Summary (9Z) Record – Required

There must be one of this record type on the file and it must be the last record.



Record Layouts Transmitter (1A) Record – Required

The first record on each file must be the Transmitter (1A) Record, which will contain

information identifying the batch file transmitter (person or organization handling the data

accumulation and formatting). There will be only one transmitter record on each electronic file.

All data elements for this record are required.

Field

Position(s)

Field Name Length Description and Remarks

1-2 Record Type 2 REQUIRED. Enter "1A."

3-152 Transmitter Name 150 REQUIRED. Enter the full name of the individual or

organization that is transmitting the reports in this file. Left

justify and space-fill the entry.

153-252 Transmitter Address 100 REQUIRED. Enter the street address of the transmitter. Left


253-302 Transmitter City 50 REQUIRED. Enter the city of the transmitter. Left justify and

space-fill the entry.

303-305 Transmitter State 3 REQUIRED. Enter the state code of the transmitter if the

Transmitter Country code is CA, MX, or US. See General

Instruction 10 in Attachment C for information about the codes

to be entered. Left justify and space-fill the entry. Space-fill if no

entry or when Transmitter Country contains a code other than

CA, MX, or US.

306-314 Transmitter

ZIP/Postal Code

9 REQUIRED. Enter the ZIP Code or foreign postal code for the

transmitter. Do not include punctuation or formatting such as

hyphens, periods, and spaces within the entry. An entry must be

five or nine digits if the "Transmitter Country" is "US." A nine-

digit entry cannot end with four zeros or four nines if

"Transmitter Country" is "US." Left justify and space-fill this

entry if less than nine digits.

315-316 Transmitter Country 2 REQUIRED. Enter the transmitter country code. See General

Instruction 10 in Attachment C for information about the codes

to be entered.

317-332 Transmitter

Telephone Number

16 REQUIRED. Enter the transmitter telephone number. Enter all

numbers as a single number string without formatting or

punctuation such as spaces, hyphens, or parenthesis. Left justify

and space-fill the entry.



Field

Position(s)


333-482 Transmitter Contact

Name

150 REQUIRED. Enter the name of an official contact for the

transmitter. Left justify and space-fill the entry.

483-507 Transmitter Taxpayer

Identification

Number (TIN)

25 REQUIRED. Enter the U.S. or foreign Taxpayer Identification

Number (TIN) assigned to the transmitter. Do not enter

hyphens, slashes, or invalid entries such as all nines, all zeros, or

"123456789". Left justify and space-fill the entry.

508-515 Coverage Beginning

Date

8 REQUIRED. This will be the date of the earliest original

transaction on the file. Enter as a numeric 8-position entry in the

format MMDDCCYY where MM = month, DD = day, CC =

century, and YY = year.

516-523 Coverage Ending

Date

8 REQUIRED. This will be the date of the latest original

transaction on the file. Enter as a numeric 8-position entry in the

format MMDDCCYY where MM = month, DD = day, CC =

century, and YY = year.

524-531 Transmitter Control

Code (TCC)

8 REQUIRED. Enter the assigned 8-character Transmitter Control

Code (TCC). Do not enter a TCC assigned for testing purposes.

532-534 Batch Sequence

Number (BSN)

3 Space-fill this field, which is reserved for BSA E-Filing use.

535-1036 Filler 502 Space-filled.

1037-1040 Format Indicator 4 Space-fill this field, which is reserved for BSA E-Filing use.

1041-1050 User Field 10 Use this field for any descriptive information you may require;

otherwise space-fill this field.



Parent Financial Institution Information (2A) Record – Required

This record identifies information regarding the Parent Financial Institution (FI) that is

responsible for reporting the currency transaction(s). The number of 2A records depends on the

number of different Parent FIs included on the file.

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter ‘2A’.

3-4 Institution Primary

Federal Regulator

2 REQUIRED. Enter the parent financial institution primary

federal regulator code for the federal regulator or BSA examiner

with primary responsibility for enforcing the institution's Bank

Secrecy Act compliance. Left justify and space-fill this entry.

Code Regulator/Examiner

A Commodities Futures Trading Commission (CFTC)

B Federal Reserve Board (FRB)

C Federal Deposit Insurance Corporation (FDIC)

D Internal Revenue Service (IRS)

E National Credit Union Administration (NCUA)

F Office of the Comptroller of the Currency (OCC)

G Securities and Exchange Commission (SEC)

5-154 Institution Name 150 REQUIRED. Enter the full legal name of the parent financial

institution. Left justify and space-fill the entry.

155-254 Institution Address 100 REQUIRED. Enter the address of the parent financial institution

headquarters. Left justify and space-fill the entry.

255-304 Institution City 50 REQUIRED. Enter the city of the parent financial institution

headquarters. Left justify and space-fill the entry.

305-307 Institution State 3 REQUIRED. Enter the code for the parent financial institution

headquarters state. See General Instruction 10 in Attachment C

for information about the codes to be entered. Left justify and


308-316 Institution ZIP Code 9 REQUIRED. Enter the parent financial institution ZIP Code. Do

not include punctuation or formatting such as hyphens, periods,

and spaces within the entry. A nine-digit entry cannot end with

four zeros or four nines. Left justify and space-fill this entry if 5

digits.

317-341 Institution TIN 25 REQUIRED. Enter the parent financial institution’s EIN. If the

financial institution does not have an EIN, enter the SSN of the

institution’s principal owner. Do not enter hyphens, slashes,

alpha characters, or invalid entries such as all nines, all zeros, or

“123456789”. Left justify and space-fill the entry.



Field

Position(s)



Code (TCC)

8 REQUIRED. Enter the assigned 8-character Transmitter Control

Code (TCC). Do not enter a TCC assigned for testing purposes.



otherwise, space-fill. This information will be returned in the

acknowledgement file.



Financial Institution Where Transaction(s) Take Place (2B)

Record – Required

This record identifies information regarding the financial institution where transaction(s) took

place. The number of 2B records is dependent on the number of branches the Parent FI is

reporting on the file; however, there can be no more the 999 2B records associated with a single

CTR reported in the file. The 2B record item numbers refer to Attachment C - Electronic Filing

Instructions Part III, Items 29-39.

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter "2B".

3-12 Location Code 10 REQUIRED. Enter an identifying number for the financial

institution where the transaction(s) took place. Right justify and

zero-fill.

13-14 Primary Federal

Regulator (Item 29)

2 REQUIRED. Enter the financial institution Primary Federal

Regulator code for the federal regulator or BSA examiner with

primary responsibility for enforcing the institution's Bank

Secrecy Act compliance. Left justify and space-fill this entry.

Code Regulator/Examiner

A Commodities Futures Trading Commission (CFTC)

B Federal Reserve Board (FRB)

C Federal Deposit Insurance Corporation (FDIC)

D Internal Revenue Service (IRS)

E National Credit Union Administration (NCUA)

F Office of the Comptroller of the Currency (OCC)

G Securities and Exchange Commission (SEC)

15-164 Legal Name of

Financial Institution

(Item 30)

150 REQUIRED. Enter the financial institution legal name. Left


165-314 Alternate name, e.g.,

trade name, DBA

(Item 31)

150 Enter the financial institution alternate name (e.g., trade name,

DBA, etc.). Do not include “AKA” or “DBA” with the alternate

name. Left justify and space-fill the entry. Space-fill if no entry.

315-323 EIN (Item 32) 9 REQUIRED. Enter the Employer Identification Number (EIN) of

the financial institution. Must be the 9-digit number assigned to

the financial institution by the IRS. Do not enter hyphens,

slashes, alpha characters, or individual entries such as all nines,

all zeros, or "123456789". Left justify and space-fill the entry.

324-423 Address (Item 33) 100 REQUIRED. Enter the financial institution street address. Left




Field

Position(s)


424-473 City (Item 34) 50 REQUIRED. Enter the financial institution city. Left justify and


474-476 State (Item 35) 3 REQUIRED. Enter the code for the financial institution state. See

General Instruction 10 in Attachment C for information about

the codes to be entered. Left justify and space-fill the entry.

477-485 ZIP Code (Item 36) 9 REQUIRED. Enter the financial institution ZIP Code. Do not

include punctuation or formatting such as hyphens, periods, and

spaces within the entry. A nine-digit entry cannot end with four

zeros or four nines. Left justify and space-fill the entry if 5 digits.

486 Type of Financial

Institution (Item 37)

1 REQUIRED. Enter the code that describes the financial

institution. If "Z" is entered, a brief description of the institution

type must be entered in "Type of Financial Institution Other”.

Code Description

A Casino/Card club

B Depository institution

C MSB

D Securities/Futures

Z Other

487-536 Type of Financial

Institution Other

(Item 37)

50 REQUIRED (conditional). If "Type of Financial Institution" is

"Z," enter a brief description of the type. Left justify and space-

fill the entry. Space-fill if no entry.

537 Gaming Institution

Type (Item 38)

1 REQUIRED (conditional). If "Type of Financial Institution" is

"A," enter the code that best describes the type of gaming

institution. If the code "Z" is entered, enter a brief description in

"Gaming Institution Type Other." Left justify and space-fill the

entry." Space-fill if no entry.

Code Description

A State licensed casino

B Tribal authorized casino

C Card club

Z Other

538-587 Gaming Institution

Type Other (Item 38)

50 REQUIRED (Conditional). If "Gaming Institution Type” is "Z,"

enter a brief description of the type. Left justify and space-fill the

entry. Space-fill if no entry.



Field

Position(s)


588 Financial Institution

ID Number Type

(Item 39)

1 Identify the type of identification for the financial institution by

entering the appropriate code from the following list. Enter a

space if none of the options apply.

Code Description

A Central Registration Depository (CRD) number

B Investment Advisor Registration Depository (IARD)

number

C National Futures Association (NFA) number

D Research, Statistics, Supervision, and Discount (RSSD)

number

E Securities and Exchange Commission (SEC) number

589-598 Financial Institution

ID Number (Item 39)

10 REQUIRED (conditional). Enter the financial institution’s

identification number if a code was entered in "Financial

Institution ID Number Type." Left justify and space-fill the

entry. Space-fill if no entry.







Transaction Summary (3A) Record – Required

This record identifies information regarding the actual currency transaction(s). The number of

3A records depends on the number of different FinCEN CTRs included on the file. The 3A

record may only occur one time per FinCEN CTR. The 3A record item numbers refer to

Attachment C - Electronic Filing Instructions Item 1, Part II Items 23-27, and Part III Items 40-42.

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter "3A".

3-7 Transaction Sequence

Number

5 REQUIRED. Enter a sequential number starting with 00001 and

increment by 1 for each Transaction Summary (3A) record.

8 Type of Filing

(Item 1)

1 REQUIRED. Enter one of the following codes to record the type

of filing:

Code Description

A Initial report

B Correct/amend prior report

C FinCEN directed Backfiling

9-22 Document Control

Number or BSA

Identifier

14 REQUIRED (conditional). If "Filing Type" is "B Correct/amend

prior report," enter the Document Control Number (DCN) or

BSA Identifier previously assigned by FinCEN to the CTR to be

corrected or amended. Zero-fill this field if "Filing Type" is “A

Initial Report" or "C FinCEN directed Backfiling.”

23-30 Date of Transaction

(Item 23)

8 REQUIRED. Enter the date of the transaction(s) as a numeric 8-

position field in MMDDCCYY format where MM = month, DD =

day, CC = century, and YY = year. This date cannot be more

recent than the date filed.

31-35 Transaction Type

(Item 24)

5 REQUIRED (conditional). Enter the appropriate code(s) if the

CTR involves any of the following types of transaction delivery

or payment methods. Multiple codes may be entered, left

justified and space-filled. Do not place spaces between multiple

entries. Space-fill if none apply. See the Item 24 instructions in

Attachment C for information on when to enter these codes.

Code Description

A Armored car (FI contract)

B ATM

C Mail Deposit or Shipment

D Night Deposit

E Aggregated transactions



Field

Position(s)


36-50 Total Cash-in (Item

25)

15 REQUIRED (conditional). Enter the "Total Cash-in" amount,

right justified and zero-filled. The amount must be greater than

$10,000. If no amount is recorded, space-fill this field. The

amount must match the total of all amounts entered in Items

25a-z.

51-65 Cash-in: Deposit(s)

(Item 25a)

15 REQUIRED (conditional). Enter the transaction cash-in amount

included in this report for "Deposit(s)." This entry must be

greater than zero, right justified and zero-filled. If no entry is

recorded, space-fill this field.

66-80 Cash-in: Payment(s)

(Item 25b)


included in this report for "Payment(s)." This entry must be



81-95 Cash-in: Currency

received for funds

transfer(s) out

(Item 25c)


included in this report for "Currency received for funds

transfer(s) out." This entry must be greater than zero, right

justified and zero-filled. If no entry is recorded, space-fill this

field.

96-110 Cash-in: Purchase of

negotiable

instrument(s)

(Item 25d)


included in this report for "Purchase of negotiable

instrument(s)." This entry must be greater than zero, right


field.


exchange (Item 25e)


included in this report for "Currency exchange." This entry must

be greater than zero, right justified and zero-filled. If no entry is


126-140 Cash-in: Currency to

prepaid access (Item

25f)


included in this report for "Currency to prepaid access." This

entry must be greater than zero, right justified and zero-filled. If

no entry is recorded, space-fill this field.

141-155 Cash-in: Purchase(s)

of casino chips,

tokens, and other

gaming instruments

(Item 25g)


included in this report for "Purchase(s) of casino chips, tokens,

and other gaming instruments." This entry must be greater than

zero, right justified and zero-filled. If no entry is recorded,

space-fill this field.


wager(s) including

money plays (Item

25h)


included in this report for "Currency wager(s) including money

plays." This entry must be greater than zero, right justified and

zero-filled. If no entry is recorded, space-fill this field.



Field

Position(s)


171-185 Cash-in: Bills

inserted into gaming

devices (Item 25i)


included in this report for "Bills inserted into gaming devices."

This entry must be greater than zero, right justified and zero-

filled. If no entry is recorded, space-fill this field.

186-235 Cash-in: Other

(specify) (Item 25z)

50 REQUIRED (conditional). Enter a description of the cash-in

transaction in "Other" if none of the other cash-in options apply.

Left justify and space-fill unused positions. If no entry is


236-250 Cash-in: Other

(Item 25z)


included in this report for "Other." This entry must be greater

than zero, right justified and zero-filled. If no entry is recorded,


251-265 Total Cash-out (Item

27)

15 REQUIRED (conditional). Enter the "Total Cash-out" amount,

right justified and zero-filled. The amount must be greater than

$10,000. If no amount is recorded, space-fill this field. The

amount must match the total of all amounts entered in Items

27a-z.

266-280 Cash-out:

Withdrawal(s) (Item

27a)

15 REQUIRED (conditional). Enter the transaction cash-out amount

included in this report for "Withdrawal(s)." This entry must be



281-295 Cash-out: Advance(s)

on credit (including

markers) (Item 27b)


included in this report for "Advance(s) on credit (including

markers)." This entry must be greater than zero, right justified

and zero-filled. If no entry is recorded, space-fill this field.

296-310 Cash-out: Currency

paid from funds

transfer(s) in (Item

27c)


included in this report for "Currency paid from funds transfer(s)

in." This entry must be greater than zero, right justified and

zero-filled. If no entry is recorded, space-fill this field.

311-325 Cash-out: Negotiable

instrument(s) cashed

(Item 27d)


included in this report for "Negotiable instrument(s) cashed."

This entry must be greater than zero, right justified and zero-

filled. If no entry is recorded, space-fill this field.


exchange(s) (Item

27e)


included in this report for "Currency exchange(s)." This entry

must be greater than zero, right justified and zero-filled. If no

entry is recorded, space-fill this field.



Field

Position(s)



from prepaid access

(Item 27f)


included in this report for "Currency from prepaid access." This



356-370 Cash-out:

Redemption(s) of

casino chips, tokens,

TITO tickets, and

other gaming

instruments (Item

27g)


included in this report for "Redemption(s) of casino chips,

tokens, TITO tickets, and other gaming instruments." This entry

must be greater than zero, right justified and zero-filled. If no

entry is recorded, space-fill this field.

371-385 Cash-out: Payment(s)

on wager(s)

(including race book

and OTB or sports

pool) (Item 27h)


included in this report for "Payment(s) on wager(s) (including

race book and OTB or sports pool)." This entry must be greater



386-400 Cash-out: Travel and

complimentary

expenses and gaming

incentives (Item 27i)


included in this report for "Travel and complimentary expenses

and gaming incentives." This entry must be greater than zero,

right justified and zero-filled. If no entry is recorded, space-fill

this field.

401-415 Cash-out: Payment

for tournament,

contest or other

promotions (Item 27j)


included in this report for "Payment for tournament, contest or

other promotions." This entry must be greater than zero, right


field.

416-465 Cash-out: Other

(specify) (Item 27z)

50 REQUIRED (conditional). Enter a description for transaction

cash-out for "Other." Left justify and space-fill unused positions.

466-480 Cash-out: Other

(Item 27z)


included in this report for "Other." This entry must be greater



481-535 Contact Office

(Item 40)

55 REQUIRED. Enter the name of the office to contact for

information concerning the FinCEN CTR. Left justify and space-

fill the entry.

536-551 Phone Number

(Item 41)

16 REQUIRED. Enter the contact office phone number. Left justify

and space-fill the entry.

552-557 Phone Extension

(Item 41a)

6 Enter the contact office phone extension. Left justify and space-

fill the entry. Space-fill if no entry.



Field

Position(s)


558-565 Date Filed (Item 42) 8 REQUIRED. Enter the date the FinCEN CTR is filed as a numeric

8-position entry in the format MMDDCCYY where MM =

month, DD = day, CC = century, and YY = year.







Foreign Cash-in (3B) Record

This record identifies information regarding the foreign cash-in involved in the currency

transaction(s). A maximum of 99 3B records may be associated with a Transaction Summary

(3A) Record. The 3B record item number refers to Attachment C - Electronic Filing Instructions

Part II, Item 26. If no foreign cash-in currency was involved in the transaction(s) there will be no

3B record for the FinCEN CTR in the file.

Field

Position(s)




Number

5 REQUIRED. Enter the Transaction Sequence Number from the

associated 3A record. Right justify and zero-fill.

8-22 Foreign cash-in (Item

26)

15 REQUIRED. Enter the amount of foreign currency involved in

this cash-in transaction. This entry must be right justified and

zero-filled. Do not convert to U.S. Dollars.

23-24 Foreign country (two

letter code) (Item 26)

2 REQUIRED. Enter the two letter country code for the country

that issued the currency. See General Instruction 10 in

Attachment C for information about the codes to be entered.







Foreign Cash-out (3C) Record

This record identifies information regarding the foreign cash-out involved in the currency

transaction(s). A maximum of 99 3C records may be associated with a Transaction Summary

(3A) Record. The 3B record item number refers to Attachment C - Electronic Filing Instructions

Part II, Item 28. If no foreign cash-out currency was involved in the transaction(s) there will be

no 3C record for the FinCEN CTR in the file.

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter "3C".


Number



8-22 Foreign cash-out

(Item 28)

15 REQUIRED. Enter the amount of foreign currency involved in

the cash-out transaction. This entry must be right justified and

zero-filled. Do not convert to U.S. Dollars.

23-24 Foreign country (two

letter code) (Item 28)

2 REQUIRED. Enter the two letter country code for the country

that issued the currency. See General Instruction 10 in








Person Involved in Transaction(s) (4A) Record – Required

This record identifies information regarding the person (i.e. an individual or entity) involved in

the currency transaction(s). There may be multiples of this record depending on the number of

persons involved in each FinCEN CTR on the file; however, there can be no more the 999 4A

records associated with a single CTR reported in the file. The 4A record item numbers refer to

Attachment C - Electronic Filing Instructions Part I, Items 2-22.

Field

Position(s)




Number



8 Person Involved Type

(Item 2)

1 REQUIRED. Enter the code that describes the person involved

in the transaction:

Code Description

A Person conducting transaction on own behalf

B Person conducting transaction for another

C Person on whose behalf transaction is conducted

D Courier service (private)

9 Multiple Transactions

(Item 3)

1 Enter "X" if multiple transactions were conducted by or for the

person recorded in the 4A record. Space-fill if no entry.

10-159 Individual's last name

or entity's legal name

(Item 4)

150 REQUIRED (conditional). Enter the individual's last name or

entity's legal name for the person involved in the transaction(s).

Left justify and space-fill the entry. Space-fill if "Entity/Last

Name Unknown" contains "X".

160 Person Involved is

Entity (Item 4b)

1 If the person involved in the transaction is an entity, enter “X”.

161 Entity/Last Name

Unknown (Item 4a)

1 If the last name or entity legal name of the person involved in

the transaction is unknown, enter “X”. Space-fill if no entry.

162-196 First Name (Item 5) 35 REQUIRED (conditional). Enter the first name, left justified and

space-filled, of the individual involved in the transaction(s).

Space-fill if "Person Involved is Entity" or "First Name

Unknown" contains "X".

197 First Name Unknown

(Item 5a)

1 Enter "X" if the first name of the individual is unknown. "First

Name" must be space-filled. Space-fill if “First Name” contains

an entry or if “Person Involved is Entity” contains “X.”.



Field

Position(s)


198-232 Middle Name (Item

6)

35 Enter the middle name or middle initial of the individual

involved in the transaction(s), left justified and space-filled.

Space-fill if no entry or if “Person Involved is Entity” contains

“X”.

233-267 Name Suffix (Item 6) 35 Enter the name suffix such as JR, SR, III, etc. of the individual

involved in the transaction(s), left justified and space-filled.

Space-fill if no entry or if “Person Involved is Entity” contains

“X”.

268 Gender (Item 7) 1 Enter the code for the gender of the individual involved in the

transaction(s). Space-fill if “Person Involved is Entity” contains

“X.”

Code Description

A Male

B Female

C Unknown

269-418 Alternate Name (Item

8)

150 Enter the alternate name of the person involved in the

transaction(s) (e.g. AKA - individual or DBA - entity). Left

justify and space-fill this entry. Do not include the acronyms

“AKA” or “DBA” with the alternate name. Space-fill if no entry.

419-448 Occupation or type of

business (Item 9)

30 Enter the occupation or type of business for the person involved

in the transaction. Left justify and space-fill this entry. Space-fill

if no entry.

449-454 NAICS Code (Item 9) 6 Enter the NAICS Code for the occupation or type of business of

the person involved in the transaction(s). Use ONLY the NAICS

Codes from the NAICS Code list on the BSA E-Filing Web Site

(http://bsaefiling.fincen.treas.gov/main.html). Use of NAICS

Codes not on this list is prohibited. Left justify and space-fill

this entry. Space-fill if no entry.

455-554 Address (Item 10) 100 REQUIRED (conditional). Enter the street address of the person

involved in the transaction(s). Left justify and space-fill this

entry. Space-fill if ”Address Unknown” contains “X.”

555 Address Unknown

(Item 10a)

1 If the street address is unknown, enter ”X”. Otherwise, space-fill

this field.

556-605 City (Item 11) 50 REQUIRED (conditional). Enter the city of the person involved

in the transaction(s). Left justify and space-fill the entry. Space-

fill if “City Unknown” contains “X.”

606 City Unknown (Item

11a)

1 If the city is unknown, enter ”X”. Otherwise, space-fill this field.

http://bsaefiling.fincen.treas.gov/main.html



Field

Position(s)


607-609 State (Item 12) 3 REQUIRED (conditional). Enter the state code for the person

involved in the transaction(s). Left justify and space-fill the

entry. See General Instruction 10 in Attachment C for

information about the codes to be entered. Space-fill if “State

Unknown” contains “X” or if "Country" does not contain "CA,"

"MX," or "US."

610 State Unknown (Item

12a)

1 If the state is unknown, enter ”X”. Otherwise, space-fill this

field.

611-619 ZIP/Postal Code

(Item 13)

9 REQUIRED (conditional). Enter the ZIP Code or foreign postal

code for the person involved in the transaction(s). A five-digit

code must be followed by four spaces. A nine-digit entry cannot

end with four zeros or four nines. ZIP Codes and foreign postal

codes must be entered without formatting or special characters

such as spaces or hyphens. Left justify and space-fill this entry.

Space-fill if “ZIP/Postal Code Unknown” contains “X.”

620 ZIP/Postal Code

Unknown (Item 13a)

1 If the ZIP Code or foreign postal code is unknown, enter ”X”.

Otherwise, space-fill this field.

621-622 Country (Item 14) 2 REQUIRED (conditional). Enter the country code for the person

involved in the transaction(s). See General Instruction 10 in


Space-fill if “Country Unknown” contains “X.”

623 Country Unknown

(Item 14a)

1 If the country is unknown, enter ”X”. Otherwise, space-fill this

field.

624-648 TIN (Item 15) 25 REQUIRED (conditional). Enter the U.S. or foreign Taxpayer

Identification Number (TIN) for the person involved in the

transaction(s). U.S. TINs must be 9-digits in length, with no

formatting such as hyphens and no consecutive string of the

same number. Foreign TINs may be as long as 25-digits, with no

formatting such as spaces, hyphens, or periods. Space-fill if

“TIN Unknown” contains “X”.

649 TIN Unknown (Item

15a)

1 If the Taxpayer Identification Number (TIN) for the person

involved in the transaction is unknown, enter ”X”. Otherwise,




Field

Position(s)


650 TIN Type (Item 16) 1 REQUIRED (conditional). Enter the Taxpayer Identification

Number (TIN) type for the person involved in the transaction.

See the Item 16 instructions in Attachment C for information on

entering the “TIN Type” when “TIN Unknown” contains “X.”

Code Description

A EIN

B SSN/ITIN

C Foreign

651-658 Date of Birth

(Item 17)

8 REQUIRED (conditional). Record the date of birth of the

individual involved in the transaction(s). The date must be a

numeric 8-position entry in the format MMDDCCYY where MM

= month, DD = day, CC = century, and YY = year. Single digits

for a day or month must be preceded by a zero, e.g. January 7,

1980 would be entered as 01071980. Space-fill if either “Date of

Birth Unknown” or ”Person Involved is Entity” contains “X.”

659 Date of Birth

Unknown (Item 17a)

1 If the DOB of the individual involved in the transition(s) is

unknown, enter “X”. Space-fill if “Date of Birth” contains an

entry or if “Person Involved is Entity” contains “X.”

660-675 Contact Phone

Number (Item 18)

16

Enter the telephone number of the person involved in the

transaction(s). The entry must be a single number string without

formatting such as hyphens, spaces, or parenthesis. Left justify

and space-fill the entry. Space-fill if unknown.

676-681 Contact Phone

Extension (Item 18)

6 Enter the telephone extension for the person involved in the

transaction(s). Left justify and space-fill this entry. Otherwise,

space-fill.

682-731 E-mail Address (Item

19)

50 Enter the e-mail address of the person involved in the

transaction(s). Include all formatting, punctuation, and special

characters in the e-mail address. Left justify and space-fill the

entry. Space-fill if unknown.

732 ID Type (Item 20) 1 REQUIRED. Enter the code for the type of identification used to

verify the identity of the person involved in the transaction.

Code Description

A Unknown

B Driver's license/State ID

C Passport

D Alien registration

Z Other

733-782 ID Type Other

Description (Item 20)

50 REQUIRED (conditional). If “ID Type” is “Z Other,” describe

the type. Otherwise, space-fill.



Field

Position(s)


783-785 ID Issuing State (Item

20)

3 REQUIRED (conditional). Enter the appropriate two or three

character code when the identification was issued by a known

state, province, or territory of the United States, Canada, or

Mexico. See General Instruction 10 in Attachment C for

information about the codes to be entered. Left justify and

space-fill the entry. Space-fill this field if “ID Issuing Country”

contains a country code other than “US,” “CA,” or “MX;” if the

“ID Issuing State” is unknown; or if “ID Type” contains “A.”

786-787 ID Issuing Country

(Item 20)

2 REQUIRED. Enter the country code for the form of

identification used to verify the identity of the person involved

in the transaction. See General Instruction 10 in Attachment C

for information about the codes to be entered. Space-fill if “ID

Type” contains “A” or if the “ID Issuing Country” is unknown.

788-811 ID Number (Item 20) 24 REQUIRED (conditional). Enter the number from the

identification used to verify the identity of the person involved

in the transaction. Left justify and space-fill the entry. If no entry

is recorded, space-fill this field. Space-fill if “ID Type” contains

“A” or if the “ID Number” is unknown.

812-826 Cash-in Amount

(Item 21)

15 Enter the cash-in amount for the person listed in Item 4. This



827-841 Cash-out Amount

(Item 22)

15 Enter the cash-out amount for the person listed in Item 4. This









Account Number (Cash-in) (4B) Record

This record identifies information regarding the account number included in Item 21 (cash-in)

for the person involved in the currency transaction(s). A maximum of 99 4B records may be

associated with a Person Involved in Transaction(s) (4A) Record. The 4B record item number

refers to Attachment C - Electronic Filing Instructions Part I, Item 21a. There will be no 4B

record associated with a FinCEN CTR in the file if there is no account number associated with

the cash-in transaction(s) or no amount recorded in “Cash-In Amount” in the Person involved

in Transaction(s) (4A) Record.

Field

Position(s)




Number



8-47 Account Number

included in item 21

(Item 21a)

40 Enter a cash-in account number associated with the 4A record

person involved in the transaction(s). Do not include formatting

such as spaces and hyphens with the account number. Left








Account Number (Cash-out) (4C) Record

This record identifies information regarding the account number included in Item 22 (cash-out)

for the person involved in the currency transaction(s). A maximum of 99 4C records may be

associated with a Person Involved in Transaction(s) (4A) Record. The 4C record item number

refers to Attachment C - Electronic Filing Instructions Part I, Item 22a. There will be no 4C

record associated with a FinCEN CTR in the file if there is no account number associated with

the cash-out transaction(s) or no amount recorded in “Cash-out Amount” in the Person

involved in Transaction(s) (4A) Record.

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter "4C".


Number



8-47 Account Number

included in item 22

(Item 22a)

40 Enter a cash-out account number associated with the 4A record

person involved in the transaction(s). Do not include formatting

such as spaces and hyphens with the account number. Left








Financial Institution Where Transaction(s) Takes Place

Summary (9A) Record – Required

There must be one of this record type for all FinCEN CTRs associated with one or more

Financial Institution Where Transaction(s) Take Place (2B) Records. If multiple financial

institutions are reported together for one or more FinCEN CTRs, only one 9A record will be

needed to summarize the FinCEN CTR(s) reported for the financial institution 2B records. This

record contains counts of the number of 3A, 4A, 6A, and 7A record types associated with the

Financial Institution Where Transaction(s) Takes Place (2B) Record.

Field

Position(s)



3-9 Transaction Summary

Count (3A)

7 REQUIRED. Enter the number of Transaction Summary (3A)

Records for the Financial Institution(s) Where Transaction(s)

Take Place. Right justify and zero-fill the entry.

10-16 Person Involved in

Transaction(s) Count

(4A)

7 REQUIRED. Enter the number of Person Involved in

Transaction(s) (4A) Records for the Financial Institution(s)

Where Transaction(s) Take Place. Right justify and zero-fill the

entry.

17-23 Account Number

(Cash in) Count (4B)

7 REQUIRED. Enter the number of Account Number (Cash in)

(4B) Records for the Financial Institution(s) Where Activity

Occurred. Right justify and zero-fill the entry.


(Cash out) Count (4C)

7 REQUIRED. Enter the number of Account Number (Cash out)

(4C) Records for the Financial Institution(s) Where Activity

Occurred. Right justify and zero-fill the entry.







Parent Financial Institution Information Summary (9B) Record –

Required

There must be one of this record type for each Parent Financial Institution Information (2A)

Record reported on the file. This record contains counts of the number of 2B, 3A, 4A, 4B, and 4C

record types associated with the Parent Financial Institution Information (2A) Record.

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter "9B."


Where Transaction(s)

Take Place Count (2B)

7 REQUIRED. Enter the number of Financial Institution Where

Transaction(s) Take Place (2B) Records for the Parent Financial

Institution. Right justify and zero-fill the entry.


Count (3A)


Records for the Parent Financial Institution. Right justify and

zero-fill the entry.



(4A)


Transaction(s) (4A) Records for the Parent Financial Institution.

Right justify and zero-fill the entry.




(4B) Records for the Parent Financial Institution. Right justify

and zero-fill the entry.




(4C) Records for the Parent Financial Institution. Right justify

and zero-fill the entry.







File Summary (9Z) Record – Required

There should only be one of these records on the file and it must be the very last record on the

file. The record contains counts of the number of the various record types which are on the file.

The File Summary (9Z) Record should contain the following data elements:

Field

Position(s)


1-2 Record Type 2 REQUIRED. Enter "9Z".

3-9 Parent Financial

Institution

Information Count

(2A)

7 REQUIRED. Enter the number of Parent Financial Institution

Information (2A) Records. Right justify and zero-fill the entry.


Where Transaction(s)

Take Place (2B)

7 REQUIRED. Enter the number of Financial Institution Where

Transaction(s) Take Place (2B) Records. Right justify and zero-fill

the entry.


Count (3A)


Records. Right justify and zero-fill the entry.



(4A)


Transaction(s) (4A) Records. Right justify and zero-fill the entry.




(4B) Records. Right justify and zero-fill the entry.




(4C) Records. Right justify and zero-fill the entry.







Acknowledgement Record Formats The FinCEN CTR batch acknowledgement file defined below is provided in ASCII format. The

acknowledgement file will contain a corresponding acknowledgement record for each record

received on the batch file.

Acknowledgement Transmitter (1A) Record

This record is created by FinCEN as part of an acknowledgement file returned to the

transmitter. This record contains identifying information and error codes pertaining to the

transmitter data received by FinCEN.

Field

Position(s)


1-2 Record Type 2 Field Position 1-2 of the incoming 1A record.

3-10 Coverage Beginning

Date

8 Field Position 508-515 of the incoming 1A record. Enter as a

numeric 8-position field in the format: month, day, century,

year (MMDDCCYY)

11-18 Coverage Ending Date 8 Field Position 516-523 of the incoming 1A record. Enter as a

numeric 8-position field in the format: month, day, century,

year (MMDDCCYY)


Code (TCC)

8 Field Position 524-531 of the incoming 1A record.

27-29 Batch Sequence

Number (BSN)

3 References the batch number of the original transmission file

(532-534, 1A Record). This number is for BSA E-Filing internal

use only.

30-119 Error Codes 90 Please see Attachment A - Error Code List for a detailed

description of each error code. Error codes associated with this

record begin with a “T,” are 3 alphanumeric characters in

length, and are left-justified. Unused error code positions are

zero filled.

120-129 User Field 10 Field Positions 1041-1050 of the incoming 1A record.




Acknowledgement Parent Financial Institution (2A) Record



Parent Financial Institution (2A) Record data received by FinCEN.

Field

Position(s)



3-27 Institution TIN 25 Field Position 317-341 of the incoming 2A record.



record are 4 alphanumeric characters in length and are left-

justified. Unused error code positions are zero filled.

118-127 User Field 10 Field Positions 1041-1050 of the incoming 2A record..


Acknowledgement Financial Institution Where Transaction(s)

Take Place (2B) Record



Financial Institution Where Transaction(s) Take Place (2B) Record data received by FinCEN.

Field

Position(s)


1-2 Record Type 2 Field Position 1-2 of the incoming 2B record.

3-12 Location Code 10 Field Position 3-12 of the incoming 2B record.





103-112 User Field 10 Field Positions 1041-1050 of the incoming 2B record.




Acknowledgement Transaction Summary (3A) Record



Transaction Summary (3A) Record data received by FinCEN.

Field

Position(s)




Number


8-21 BSA Identifier 14 Assigned by FinCEN. A unique identifying number.









Acknowledgement Foreign Cash-in (3B) Record



Foreign Cash-in (3B) Record data received by FinCEN.

Field

Position(s)




Number

5 Field Position 3-7 of the incoming 3B record.








Acknowledgement Foreign Cash-out (3C) Record



Foreign Cash-out (3C) Record data received by FinCEN.

Field

Position(s)


1-2 Record Type 2 Field Position 1-2 of the incoming 3C record.


Number

5 Field Position 3-7 of the incoming 3C record.






112-121 User Field 10 Field Positions 1041-1050 of the incoming 3C record.




Acknowledgement Person Involved in Transaction(s) (4A) Record



Person Involved in Transaction(s) (4A) Record data received by FinCEN.

Field

Position(s)




Number











Acknowledgement Account Number (Cash-in) (4B) Record



Account Number (Cash-in) (4B) Record data received by FinCEN.

Field

Position(s)




Number

5 Field Position 3-7 of the incoming 4B record.








Acknowledgement Account Number (Cash-out) (4C) Record



Account Number (Cash-out) (4C) Record data received by FinCEN.

Field

Position(s)


1-2 Record Type 2 Field Position 1-2 of the incoming 4C record.


Number

5 Field Position 3-7 of the incoming 4C record.






112-121 User Field 10 Field Positions 1041-1050 of the incoming 4C record.




Acknowledgement Trailer for Transmitter (9Z) Record


transmitter. This record is a systems control record and it summarizes the data processed by

FinCEN.

Field

Position(s)


1-2 Record Type 2 Field Position 1-2 of the incoming 9Z record.

3-12 Number of Parent

Financial Institution

Information (2A)

Records in File

10 Generated by FinCEN.

13-22 Number of

Transaction Summary

(3A) Records in File

10 Generated by FinCEN.





113-122 User Field 10 Field Positions 1041-1050 of the incoming 9Z record.




Attachment A – Error Code List Error

Code

Error Description Record Field

Position

Report

Field

Number

Fatal Errors

*A fatal error will result in the rejection of the batch file (not including error code F24).

F02 Number of records reported does not match the computer

count for the 2A record.


count for the 2B record.


count for the 3A record in the file.


count for the 4A records.

F11 A required 2A record is missing from the submitted file.

F12 A required 2B record is missing from the submitted file.





F18 A required 9Z record is missing from the submitted file.

F21 A required 9B record is missing from the submitted file.

F24 Number of forms reported on the Batch Form does not

match the computed count of the forms found in the file.

Note: This error is not returned in the acknowledgement

file. The Batch Form is used when submitting a batch file

via the website. If this error is returned via the web site, do

not resubmit the file with a corrected value for number of

forms. This error is to assist with ensuring the filer has

uploaded the correct file for processing.

F34 An invalid record type was present in Field Position 1-2 in

one or more records of the submitted file.



Error

Code


Position

Report

Field

Number

F37 A duplicate “Transaction Sequence”/”Transaction

Sequence Number” was present in the submitted file.

F38 The “Transaction Sequence”/”Transaction Sequence

Number” is missing from the submitted file.

F39 A non-numeric “Transaction Sequence”/”Transaction

Sequence Number” is present in the submitted file.

F88 The Transmitter Control Code (TCC) specified in the file is

not a valid production TCC.

F89 The submitted batch contains an invalid format indicator

in the 1A record.

F93 An invalid line terminator was present on the submitted

file.

F94 Cannot continue processing the submitted file because of

previous errors encountered.

F96 One, or more, invalid characters were present in the

submitted file.

F97 An invalid record sequencing was present on the

submitted file.

F98 An invalid record length was present on the submitted file.

F99 Unknown file error. Please contact the BSA E-Filing Help

Desk for assistance.

Validation Errors

*Validation errors are for informational purposes only.

E01 This submission cannot be accepted because it contains

significant errors. Please fix and resubmit the file.

E02 This submission has been accepted and will be processed

by FinCEN, however it contains some errors which need to

be corrected once this submission has been acknowledged.

File Errors

*File error codes containing an asterisk (*) are primary errors that must be corrected.



Error

Code


Position

Report

Field

Number

T01 Transmitter name is blank. 1A 3-152

T02 Transmitter address is blank. 1A 153-252

T03 Transmitter city is blank. 1A 253-302

T04 Transmitter state is blank. 1A 303-305

T05 Transmitter ZIP Code or foreign postal code is blank. 1A 306-314

T06 Transmitter telephone number is blank. 1A 317-332

T07 Transmitter contact name is blank. 1A 333-482

T08 Transmitter TIN is blank. 1A 483-507

T09 Coverage beginning date is blank or invalid. 1A 508-515

T10 Coverage ending date is blank or invalid. 1A 516-523

T12 The Transmitter Control Code is blank. 1A 524-531

C301 Filing type is blank. 3A 8 1

C302 Filing type contains an invalid code. 3A 8 1

C303* Prior report Document Control Number or BSA Identifier

is blank.

3A 9-22

C304* Prior report Document Control Number or BSA Identifier

contains non-numeric values.

3A 9-22



Error

Code


Position

Report

Field

Number

C401* Person last/legal name is blank. 4A 10-159 4

C402 Person first name is blank. 4A 162-197 5, 5a

C403 Person gender contains an invalid code. 4A 268 7

C404 Person street address is blank. 4A 455-555 10, 10a

C405 Person city is blank. 4A 556-606 11, 11a

C406 Person state is not a valid state code and person country is

equal to CA, MX, or US.

4A 607-609 12

C407 Person state is blank and person country is equal to CA,

MX, or US.

4A 607-610 12, 12a

C408 Person ZIP Code or foreign postal code is blank. 4A 611-620 13, 13a

C409 Person ZIP Code is a nine digit code ending in four

zeros/nines and person country is equal to US.

4A 611-619 13

C410 Person ZIP Code is not equal to five or nine digits or

contains non-numeric values and person country is equal

to US.

4A 611-619 13

C411 Person country is blank. 4A 621-623 14, 14a

C412 Person country is not a valid country code. 4A 621-622 14

C413* Person TIN is blank. 4A 624-649 15, 15a

C414* Person TIN is an invalid number string such as all zeros, all

nines, 123456789, or a U.S. TIN and not nine digits.

4A 624-648 15



Error

Code


Position

Report

Field

Number

C415 Person TIN type is blank. 4A 650 16

C416 Person TIN type contains an invalid code. 4A 650 16

C417 Person date of birth is blank. 4A 651-659 17, 17a

C418 Person date of birth is less than January 1, 1900. 4A 651-658 17

C419 Person date of birth contains non-numeric values or is in

an invalid format.

4A 651-658 17

C420 Person telephone number contains non-numeric values or

is in an invalid format.

4A 660-675 18

C421 Person e-mail address is in an invalid format. 4A 682-731 19

C422* Person identification is blank. 4A 732 20

C423 Person identification type contains an invalid code. 4A 732 20

C424 Person identification other description is blank. 4A 733-782 20z

C425 Person identification issuing state is not a valid state code

and person country is equal to CA, MX, or US.

4A 783-785 20e

C426 Person identification issuing country is not a valid country

code.

4A 786-787 20f

C427 Cash-in amount for the person involved in the transaction

contains non-numeric values or is in an invalid format.

4A 812-826 21

C428 Cash-out amount for the person involved in the transaction


4A 827-841 22



Error

Code


Position

Report

Field

Number

C429 Person identification number is blank. 4A 788-811 20

C307* Date of transaction is blank. 3A 23-30 23

C308* Date of transaction is greater than the date filed. 3A 23-30 23

C309* Date of transaction is prior to January 1, 1950. 3A 23-30 23

C310* Date of transaction is not a numeric 8-position field in

MMDDCCYY format where MM=month, DD=day,

CC=century, YY=year.

3A 23-30 23

C311 Method of transaction(s) contains an invalid code. 3A 31-35 24

C312* Total cash-in and total cash-out are blank. 3A 36-50

251-265

25

27

C313* Total cash-in contains non-numeric values or is in an

invalid format.

3A 36-50 25

C314 Total cash-in "Deposit(s)" amount contains non-numeric

values or is in an invalid format.

3A 51-65 25a

C315 Total cash-in "Payment(s)" amount contains non-numeric


3A 66-80 25b

C316 Total cash-in "Currency received for fund transfer(s) out"

amount contains non-numeric values or is in an invalid

format.

3A 81-95 25c

C317 Total cash-in "Purchase of negotiable instrument(s)"


format.

3A 96-110 25d

C318 Total cash-in "Currency exchange(s)" amount contains non-

numeric values or is in an invalid format.

3A 111-125 25e



Error

Code


Position

Report

Field

Number

C319 Total cash-in "Currency to prepaid access" amount contains

non-numeric values or is in an invalid format.

3A 126-140 25f

C320 Total cash-in "Purchase(s) of casino chips, tokens, and

other gaming instruments" amount contains non-numeric


3A 141-155 25g

C321 Total cash-in "Currency wager(s) including money plays"


format.

3A 156-170 25h

C322 Total cash-in "Bills inserted into gaming devices" amount


3A 171-185 25i

C323 Total cash-in "Other" amount contains non-numeric values

or is in an invalid format.

3A 236-250 25z

C324 Total cash-in "Other" description is blank. 3A 186-235 25z

C325 Foreign cash-in amount contains non-numeric values or is

in an invalid format.

3B 8-22 26

C326 Foreign cash-in country is not a valid country code. 3B 23-24 26a

C327* Total cash-out contains non-numeric values or is in an

invalid format.

3A 251-265 27

C328 Total cash-out "Withdrawal(s)" amount contains non-


3A 266-280 27a

C329 Total cash-out "Advance(s) on credit (including markers)"


format.

3A 281-295 27b

C330 Total cash-out "Currency paid from funds transfer(s) in"


format.

3A 296-310 27c

C331 Total cash-out "Negotiable instrument(s) cashed" amount


3A 311-325 27d



Error

Code


Position

Report

Field

Number

C332 Total cash-out "Currency exchange(s)" amount contains

non-numeric values or is in an invalid format.

3A 326-340 27e

C333 Total cash-out "Currency to prepaid access" amount


3A 341-355 27f

C334 Total cash-out "Redemption(s) of casino chips, tokens,

TITO tickets, and other gaming instruments" amount


3A 356-370 27g

C335 Total cash-out "Payment(s) on wager(s) (including race

book and OTB or sports pool)" amount contains non-


3A 371-385 27h

C336 Total cash-out "Travel and complimentary expenses and

gaming incentives" amount contains non-numeric values


3A 386-400 27i

C337 Total cash-out "Payment for tournament, contest or other

promotions" amount contains non-numeric values or is in

an invalid format.

3A 401-415 27j

C338 Total cash-out "Other" amount contains non-numeric


3A 466-480 27z

C339 Total cash-out "Other" description is blank. 3A 416-465 27z

C340 Foreign cash-out amount contains non-numeric values or is

in an invalid format.

3C 8-22 28

C341 Foreign cash-out country is not a valid country code. 3C 23-24 28a

C342* Total cash-in is not equal to the total amounts recorded in

items 25a-i and 25z.

3A 36-50 25

C343* Total cash-out is not equal to the total amounts recorded in

items 27a-j and 27z.

3A 251-265 27

C201* Financial institution primary federal regulator is blank. 2B 13-14 29



Error

Code


Position

Report

Field

Number

C202* Financial institution primary federal regulator contains an

invalid code.

2B 13-14 29

C203* Financial institution legal name is blank. 2B 15-164 30

C204* Financial institution EIN is blank. 2B 315-323 32

C205* Financial institution EIN is an invalid number string such

as all zeros, all nines, or 123456789, or contains non-

numeric values.

2B 315-323 32

C206 Financial institution street address is blank. 2B 324-423 33

C207 Financial institution city is blank. 2B 424-473 34

C208 Financial institution state is not a valid state code. 2B 474-476 35

C209 Financial institution state is blank. 2B 474-476 35

C210* Financial institution ZIP Code is blank. 2B 477-485 36

C211 Financial institution ZIP Code is a nine digit code ending

in four zeros/nines.

2B 477-485 36

C212* Financial institution ZIP Code is not equal to five or nine

digits, or contains non-numeric values.

2B 477-485 36

C213 Financial institution type is blank. 2B 486 37

C214 Financial institution type contains an invalid code. 2B 486 37

C215 Financial institution type other description is blank. 2B 487-536 37z



Error

Code


Position

Report

Field

Number

C216 Gaming institution type is blank. 2B 537 38

C217 Gaming institution type contains an invalid code. 2B 537 38

C218 Gaming institution type other description is blank. 2B 538-587 38z

C219 Financial institution identification type contains an invalid

code.

2B 588 39

C220 Financial institution identification number is blank when

one of boxes 39a-39e has been checked.

2B 589-598 39f

C344 Contact office is blank. 3A 481-535 40

C345 Contact telephone number is blank. 3A 536-551 41

C346 Contact telephone number is contains non-numeric values


3A 536-551 41

C347 Date filed is blank. 3A 558-565 42

C348 Date filed is not a numeric 8-position field in MMDDCCYY

format where MM=month, DD=day, CC=century, YY=year.

3A 558-565 42

C349 Date filed is greater than the current date or is less than

01/01/2000.

3A 558-565 42

C350 Total cash-in and/or total cash-out contains an amount less

than or equal to $10,000.

3A 36-50

251-265

25

27



Attachment B – Error Correction

Instructions This attachment identifies the requirements and procedures for correcting FinCEN CTR errors

reported to batch filers during the FinCEN CTR acknowledgement process.

Error Categories:

There are two types of errors identified in batch files: format errors that may result in automatic

rejection of a batch file and file errors that represent errors in data entered in individual fields.

Format errors prevent the batch file from being processed. For example, error F18 “A required

9Z record is missing from the submitted file” is a fatal format error because each batch file must

contain a 9Z record. Error C404 “Person street address is blank” is a file error because it

indicates data is missing from a street address field. A batch file with large numbers of file

errors can be rejected by the BSA E-Filing Program if the number of errors exceeds

programming limits.

File errors are classified as primary or secondary errors, depending on their importance.

Primary errors are file errors that violate electronic filing requirements or report instructions

and so degrade FinCEN CTR data quality that they must be corrected. Primary errors make it

difficult for regulators, analysts, and law enforcement investigators to locate the FinCEN CTRs

in the database or identify the nature and circumstances of the currency transactions. Examples

of such errors include blank last names or legal names, missing financial institution Employer

Identification Numbers, or invalid entries in the transaction date field. Attachment A – Error

Code List identifies primary errors by adding an asterisk (*) to the four digit error code.

Secondary errors are file errors that violate electronic filing requirements or report instructions

but have a lesser impact on FinCEN CTR data quality. Examples of secondary errors are ZIP

Codes that end in four zeros (e.g. 123450000), blank or invalid financial institution address

information, or invalid telephone numbers.

Correction Requirements:

Filers should immediately correct and resubmit a batch file rejected for fatal format errors or for

large numbers of file errors when notified by FinCEN the batch file was not accepted. Rejection

of a batch file does not relieve the filer of the responsibility to file a FinCEN CTR within 15 days

following the day on which the reportable transaction occurred.

When an accepted batch file contains FinCEN CTRs with primary errors, those FinCEN CTRs

must be re-filed as corrected reports with the primary errors corrected.

If the accepted batch file contains FinCEN CTRs with both primary and secondary errors, they

must be re-filed as corrected reports with all errors corrected.

FinCEN CTRs that contain only secondary errors need not be re-filed.



FinCEN requires that filers prevent all reported errors in their future filings.

FinCEN recommends that primary error corrections be made no later than 30 days after

receiving error notifications. Furthermore, FinCEN recommends that filers remedy any systemic

problems in their electronic submissions within 30 days of receiving error notifications. If

technical issues prevent filers from implementing corrections within these time frames, filers

should notify FinCEN by writing to:


Office of Compliance

P.O. Box 39

Vienna, VA 22183

This correspondence should explain the technical issues involved that prevent meeting the time

frame, provide an estimate of when the issues will be resolved, and include a contact name and

telephone number.

Correction Procedures:

FinCEN CTR batch files are rejected when they contain fatal format errors or when the number

of file errors exceeds limits set by the BSA E-Filing Program. In either case, filers must correct all

errors identified in the batch file and resubmit the batch file to BSA E-Filing. Because they were

not accepted by FinCEN, initial report FinCEN CTRs in the re-submitted batch file are still

initial reports. Do not identify FinCEN CTRs from a rejected batch file as corrected reports

unless they originally were filed as corrected reports.

If errors in an accepted file involve primary file errors, filers must file corrected reports on all

FinCEN CTRs containing primary file errors using the following procedures:

Make the corrections to both the primary and secondary errors in all FinCEN CTRs that

contains primary errors.

Enter “B” at Field Position 8 “Type of Filing” in the Transaction Summary (3A) Record.

Enter the prior report’s BSA Identifier from the FinCEN CTR acknowledgement records

at Field Position 9-22 “Prior Report Document Control Number” in the Transaction

Summary (3A) Record.

Ensure that Field Position 558-565 contains a new “Date Filed” in the Transaction

Summary (3A) Record.

Complete all other data in the FinCEN CTRs in their entirety.

Retransmit the corrected FinCEN CTR in a new batch file. Do not re-transmit the

original batch file because this will cause duplicate database entries on any FinCEN

CTRs that were not corrected.

FinCEN monitors FinCEN CTR filings to identify financial institutions that fail to correct

primary errors in prior filings or to prevent previously-reported errors of any type in future

filings. FinCEN may report such failures to a financial institution’s primary federal/state

regulator or BSA examiner.



Attachment C – Electronic Filing

Instructions The following instructions apply only to the electronic filing of the FinCEN Currency

Transaction Report (FinCEN CTR), FinCEN Form 112, through FinCEN’s BSA E-Filing System.

Unless specifically mentioned in the text, these instructions do not apply to any other current or

prior Bank Secrecy Act reports.

Filing Prohibition

The FinCEN CTR should not be filed for suspicious transactions involving $10,000 or less in

currency or to note that a transaction of more than $10,000 is suspicious. Any suspicious or

unusual activity should be reported by a financial institution using the FinCEN Suspicious

Activity Report (FinCEN SAR), FinCEN Form 111. If a transaction is suspicious and in excess of

$10,000 in currency, then both a FinCEN CTR and a FinCEN SAR must be filed. In situations

involving suspicious transactions requiring immediate attention, such as when a reportable

transaction is ongoing, the financial institution shall immediately notify, by telephone,

appropriate law enforcement and regulatory authorities in addition to filing a timely FinCEN

SAR.

General Instructions

1. Who must file: Each financial institution (other than the U.S. Postal Service, for which there

are separate rules) must file a FinCEN CTR for each deposit, withdrawal, exchange of currency,

or other payment or transfer, by, through, or to the financial institution which involves a

transaction in currency of more than $10,000. Multiple transactions must be treated as a single

transaction if the financial institution has knowledge that they are by or on behalf of the same

person and they result in either currency received (cash in) or currency disbursed (cash out) by

the financial institution totaling more than $10,000 during any one business day. For a bank, a

business day is the day on which transactions are routinely posted to customers’ accounts, as

normally communicated to depository customers. The business day for casinos is based on the

gaming day, which is the normal business day of the casino by which it keeps its books and

records for business, accounting, and tax purposes. For all other financial institutions, a

business day is a calendar day. Generally, financial institutions are defined as banks, other

types of depository institutions, casinos and card clubs, brokers or dealers in securities, money

transmitters, currency exchangers, check cashers, and issuers/sellers/payers of money orders

and traveler’s checks. Only those casinos, gambling casinos, or card clubs in the United States

that have gross annual gaming revenues in excess of $1 million are financial institutions for

purposes of the FinCEN CTR. The FinCEN CTR should not be used to report receipts of

currency in excess of $10,000 by any non-gaming businesses of a casino (e.g., a hotel). Instead,



such transactions should be reported on Form 8300, Report of Cash Payments Over $10,000

Received in a Trade or Business. Casinos, gambling casinos, or card clubs with gross annual

gaming revenues that are less than $1 million are not financial institutions for purposes of the

FinCEN CTR and should report all transactions in currency greater than $10,000 on Form 8300.

Additional information on financial institutions required to report currency transactions is

found in 31 CFR Chapter X.

2. Casino filing exceptions: A casino does not have to report transactions with:

• domestic banks; or

• currency dealers or exchangers, or check cashers, as defined in 31 C.F.R. § 1010.100(ff),

and which are conducted pursuant to a contractual or other agreement covering the

financial services in 31 C.F.R. 1021.311(a)(8), 1021.311(b)(7), and 1021.311(b)(8).

Also, a casino does not have to report the following types of transactions:

• Cash ins when they are the same physical currency previously wagered in a money play

on the same table game without leaving the table;

• Bills inserted into electronic gaming devices in multiple transactions (unless a casino has

knowledge pursuant to 31 C.F.R. 1021.313);

• Cash outs won in a money play when they are the same physical currency wagered,

(However, when a customer increases a subsequent cash bet (i.e., money play), at the same

table game without departing, the increase in the amount of the currency bet would

represent a new bet of currency and a transaction in currency) or,

• Jackpots from slot machines or video lottery terminals.

3. Where to file: The FinCEN CTR must be filed electronically through the Financial Crimes

Enforcement Network (FinCEN) BSA E-Filing System. To obtain an application to file

electronically, go to http://bsaefiling.fincen.treas.gov/main.html. For help in applying, contact

the E-Filing Help Desk by calling 1-866-346-9478 (option 2) or via e-mail sent to

[email protected].

4. When to file: A FinCEN CTR must be filed by the 15th calendar day after the day of the

transaction as defined in General Instruction 1.

5. Identification requirements: All individuals (except employees of an armored car service

operating as an agent of the reporting financial institution) conducting reportable transactions

for themselves or for another person, must be identified by means of an official document.

Acceptable forms of identification include driver’s license, military or military/dependent

identification card, passport, state issued identification card, foreign cedula card, non-resident

alien identification card, or any other identification document which contains name and

preferably address and a photograph and is normally acceptable by financial institutions as a


mailto:[email protected]



means of identification when cashing checks for persons other than established customers.

Acceptable identification information obtained previously and maintained in the financial

institution’s records may be used. For example, if documents verifying an individual’s identity

were examined and recorded on a signature card when an account was opened, the financial

institution may rely on that information. In completing the FinCEN CTR, the financial

institution must indicate on the report the type, number, and issuer of the identification.

Statements such as “known customer” or “signature card on file” are prohibited and are not

sufficient for report completion. The actual identifying information must be provided.

For casino customers granted accounts for credit, deposit, or check cashing, or on whom a

previous CTRC or FinCEN CTR containing verified identity has been filed, acceptable

identification information obtained previously and maintained in the casino’s internal records

may be used as long as the following conditions are met. The customer’s identity is re-verified

periodically, any out-of-date identifying information is updated in the internal records, and the

date of each re-verification is noted on the internal record. For example, if documents verifying

an individual’s identity were examined and recorded on a signature card when a deposit or

credit account was opened, the casino may rely on that information as long as it is re-verified

periodically. The actual identifying information must be provided. Statements that the

identifying information is on file are prohibited.

6. Penalties: Civil and criminal penalties are provided for failure to file a FinCEN CTR or to

supply information, or for filing a false or fraudulent FinCEN CTR. See 31 U.S.C. 5321, 5322 and

5324.

7. Definitions: For purposes of this FinCEN CTR, the terms below have the following

meanings:

Currency - The coin and paper money of the United States or any other country, which is

circulated and customarily used and accepted as money.

Person - An individual, corporation, partnership, trust or estate, joint stock company,

association, syndicate, joint venture or other unincorporated organization or group.

Entity - Person other than an individual.

Transaction in Currency - The physical transfer of currency from one person to another. This

does not include a transfer of funds by means of bank check, bank draft, wire transfer or

other written order that does not involve the physical transfer of currency.

Negotiable Instruments - All checks and drafts (including business, personal, bank, cashier’s

and third-party), money orders, and promissory notes. For purposes of this FinCEN CTR,

all traveler’s checks shall also be considered negotiable instruments whether or not they are

in bearer form.

Exchange rate - The amount of a foreign currency that can be exchanged for a U.S. Dollar. If

foreign currency is a part of a currency transaction that requires the completion of a FinCEN

CTR, use the exchange rate in effect for the business day of the transaction to compute the



amount, in US dollars, to enter in Items 26 and 28. The source of the exchange rate that is

used will be determined by the reporting institution.

8. Recording information: Complete each FinCEN CTR by providing as much information as

possible. Although all items should be completed fully and accurately, items marked with an

asterisk (*) must be completed. Filers must follow the instructions for these items by providing

the required data or, if instructions permit, by checking the box labeled “Unknown” to indicate

that the required data was unknown or not applicable. Items that do not begin with an asterisk

must be completed if the data are known and will be left blank if the data are unknown. If an

item’s instructions differ from this general instruction, the item instructions must be followed.

This instruction supersedes all prior instructions or guidelines issued by FinCEN on use of

special responses in BSA forms when information is unknown or not available. Therefore, the

use in a FinCEN CTR of special responses such as “UNKNOWN,” “NONE,” “NOT

APPLICABLE,” or “XX” and their variants is now prohibited. Instructions for any previous

version of the Currency Transaction Report do not apply to the FinCEN CTR.

NOTE: Throughout these instructions the phrases “check box,” “select option,” and similar

wording are used to denote actions in certain data items on the discrete FinCEN CTR. These are

deemed equivalent to instructions in the Electronic Filing Requirements to enter appropriate

codes in the same data items in transmission files. For example, the requirement to select option

1a “Initial report” in the discrete FinCEN CTR is the equivalent of entering code “A” in “Type

of Filing” in the Electronic Filing Requirements Transaction Summary (3A) Record.

9. Corrected or amended reports: A corrected report must be filed whenever errors are

discovered in a previously-filed FinCEN CTR; Currency Transaction Report (CTR), FinCEN

Form 104; or Currency Transaction Report by Casinos (CTR-C), FinCEN Form 103. Amended

reports on FinCEN CTRs, CTRs, and CTR-Cs must be filed whenever additional data about the

transactions are discovered. Both corrected and amended reports must be completed in their

entirety, with the necessary corrections or amendments made to the data. In both cases box 1b

“Correct/amend prior report” must be checked on the FinCEN CTR. Field 1d must contain the

Document Control Number (DCN) or BSA Identifier (BSA ID) assigned to the prior filing. If the

FinCEN CTR corrects or amends a CTR or CTR-C, any FinCEN CTR fields not present on the

prior filing must be completed by the filer if the data are available. These instructions supersede

all prior instructions and guidance on electronic filing of amended or corrected CTRs and CTR-

Cs. BSA IDs, which replaced DCNs, are provided in acknowledgement records sent to member

financial institutions by the BSA E-Filing System.

10. Addresses: For addresses in the U.S., Canada, or Mexico enter the permanent street address,

city, two or three letter state/territory/province abbreviation or code, ZIP Code or foreign postal

code, and two letter country code. Provide the apartment number or suite number, if known,

following the street address. A non-location address such as a post office box or rural route

number should be used only if no other street address information is available. ZIP Codes must

be five or nine digits. ZIP Codes and foreign postal codes must be entered without formatting



or special characters such as spaces or hyphens. For example, the ZIP Code 12354-6120 would

be entered as 123546120. The foreign postal code HKW 702 would be entered HKW702. For

other foreign addresses enter the street address, city, postal code, and two letter country code or

address equivalent. Leave the state item blank, including the “Unknown” box. If a foreign

address contains address information that does not conform to the FinCEN CTR address

format, record equivalent address information in the FinCEN CTR address items (except state)

and ignore non-conforming data. Complete any address item that is known, even if the entire

address is unknown. No abbreviations are permitted in city names, which must be completely

spelled out. A U.S. city name should match the city name used by the U.S. Postal Service for the

associated state and ZIP Code. For U.S. address use only the authorized U.S. Postal Service

state, territory, or military address abbreviations found at https://www.usps.com/ship/official-

abbreviations.htm. For Canadian provinces and territories use the Canada Post Corporation

codes found at http://www.canadapost.ca/tools/pg/manual/PGaddress-e.asp#1380608. For

Mexican states and territories use the ISO 3166-2 three-letter codes found at

http://www.commondatahub.com/live/geography/state_province_region/iso_3166_2_state_code

s. For all countries use the ISO 3166-1 two-letter country codes found at

http://www.iso.org/iso/country_names_and_code_elements.

11. Telephone numbers: Record all telephone numbers, both foreign and domestic, as a single

number string without formatting or special characters such as parentheses, spaces, or hyphens.

For example, a number in the format (NNN) NNN-NNNN would be recorded as

NNNNNNNNNN. If known, provide the telephone extension number in the associated field.

Telephone numbers that are part of the North American Numbering Plan used by the U.S.,

Canada, many Caribbean countries, and present/former U.S. Pacific island protectorates must

consist of an area code and seven-digit telephone number. Other foreign telephone numbers

should include the country number code. If only a partial telephone number is known, record

that number in the phone number item.

12. Identifying numbers: Enter all identifying numbers as a single text string without

formatting or special characters such as hyphens or periods. An identifying number in the

format NNN-NN-NNNN would be entered as NNNNNNNNN. Such numbers may include

letter and number characters. Common identifying numbers include account numbers, alien

registration numbers, driver’s license and state identification numbers, Employer Identification

Numbers (EIN), passport numbers, Social Security Numbers (SSN), and industry specific

identifiers such as National Futures Association (NFA) numbers and Securities and Central

Registration Depository (CRD) numbers.

13. Monetary amounts: Record all U.S. Dollar amounts rounded up to the next whole dollar.

The amount $15,265.25 would be recorded as $15,266. A foreign currency amount can only be

recorded in Item 26 “Foreign cash in” or Item 28 “Foreign cash out,” again rounded up to the

next whole amount. When converting a foreign currency to dollars use an exchange rate for the

date of the transaction.

https://www.usps.com/ship/official-abbreviations.htm

https://www.usps.com/ship/official-abbreviations.htm

http://www.iso.org/iso/country_names_and_code_elements



14. Determining whether transactions meet the reporting threshold: Only cash transactions

that, if alone or when aggregated, exceed $10,000 should be reported on the FinCEN CTR.

Transactions shall not be offset against one another. If there are both Cash In and Cash Out

transactions that are reportable, the amounts should be considered separately and not

aggregated. However, they may be reported on a single FinCEN CTR. If there is a currency

exchange, it should be aggregated separately with each of the cash in and cash out totals.

Example 1: A person deposits $11,000 in currency to his savings account and withdraws $3,000

in currency from his checking account. The FinCEN CTR should be completed as follows:

Item 25 “Total cash in” is $11,000, with no entry in Item 27 “Total cash out.” This is because the

$3,000 transaction does not meet the reporting threshold.

Example 2: A person deposits $11,000 in currency to his savings account and withdraws $12,000

in currency from his checking account. The FinCEN CTR should be completed as follows:

Item 25 “Total cash in” is $11,000. Item 27 “Total cash out” is $12,000. This is because there are

two reportable transactions. However, one FinCEN CTR may be filed to reflect both.

Example 3: A person deposits $6,000 in currency to his savings account and withdraws $4,000 in

currency from his checking account. Further, he presents $5,000 in currency to be exchanged for

the equivalent in Euro’s. The FinCEN CTR should be completed as follows:

Item 25 “Total cash in” is $11,000, with no entry in Item 27 “Total cash out.” This is because in

determining whether the transactions are reportable, the currency exchange is aggregated with

each of the Cash In and Cash Out amounts. The result is a reportable $11,000 cash in

transaction. The total cash out amount is $9,000, which does not meet the reporting threshold.

Therefore, the cash out amount is not entered on the FinCEN CTR.

Example 4: A person deposits $6,000 in currency to his savings account and withdraws $7,000 in

currency from his checking account. Further, he presents $5,000 in currency to be exchanged for

the equivalent in Euros. The FinCEN CTR should be completed as follows:

Item 25 “Total cash in” is $11,000. Item 27 “Total cash out” is $12,000. This is because in

determining whether the transactions are reportable, the currency exchange is aggregated with

each of the Cash In and Cash Out amounts. In this example, each of the Cash In and Cash Out

totals exceeds $10,000 and must be reflected on the FinCEN CTR. The amount of Euros received

in the currency exchange would be entered in Item 28 Foreign Cash Out.

15. Prohibited words and phrases: Do not use the following words or variations of these words

in fields:

a. AKA

b. COMPUTER GENERATED

c. CUSTOMER

d. DBA

e. NONE

f. NOT APPLICABLE



g. NON CUSTOMER

h OTHER

i. SAME

j. SAME AS ABOVE

k. SEE ABOVE

l. SIGNATURE CARD

m. UNKNOWN

n. VARIOUS

o. XX

16. Name Editing Instructions. Because many names do not consist of a single first name,

middle name, and last name, care must be taken to ensure these names are entered properly in

the BSA SAR. This is especially important when there are separate fields for the last name, first

name, and middle name. Some names have multiple surnames (family names) or multiple given

names that do not include a middle name. Others may not be written in [first name] [middle

name] [last name] order. Multiple surnames must be entered in the last name field. For

example, Hispanic names may be written in the order of given name, father's last name, and

mother's last name, e.g., “Juan Vega Santiago.” Thus the surname “VEGA SANTIAGO” would

be entered in the last name field with “JUAN” entered in the first name field. Some Hispanic

surnames consist of three names (e.g., father’s last name, mother’s last name, and husband’s

father’s last name in the case of a married woman). In that case all three would be entered in a

last name field. Hispanic names do not have middle names, so a multiple Hispanic given name

such as “Rosa Maria” would be recorded in the first name field. In some cultures names consist

of multiple first names and a single family name, not necessarily in (first name) (last name)

order. For example, the Korean name “Kim, Chun Nam” consists of the family name “Kim” and

the first name “Chun Nam” separated by a comma and space. There is no middle name. In this

case “KIM” would be entered in the last name field and “CHUN NAM” would be entered in

the first name field. Nothing is entered in the middle name field. When an individual name is

entered in a single name field it should be entered in [first name] [middle name] [last name]

order regardless of any foreign naming conventions. Thus, “Kim, Chun Nam” would be entered

as “CHUN NAM KIM” in a single name field. Punctuation and special characters should be

used in names only when they are part of the name. For example, the period in “Expedia.Com”

should be included because it is part of the name. Placing a period after a middle initial would

be prohibited because the period is not part of the middle name. Abbreviations in names are

prohibited unless an abbreviation is part of a legal name. Entry of middle initials is permitted

when a middle name is unknown. A name suffix may be abbreviated, i.e. Junior can be JR,

Senior can be SR, the Third can be III, etc.

Item Instructions

NOTE: Critical fields in the FinCEN CTR are identified with the * symbol in front of the data

element number.



*1. Type of filing (check box that applies):

a. Initial report

b. Correct/amend prior report

c. FinCEN directed Backfiling

d. Prior report Document Control Number/BSA Identifier

Item *1 Type of filing: Check box 1a "Initial report" if this is the first report filed on the currency

transaction(s). FinCEN CTRs filed as a result of a historical or other review of past transactional

activity, either directed by a regulating authority other than FinCEN or on the financial

institution’s own initiative, must always be identified as initial reports. Check box 1b

"Correct/amend prior report" if the report corrects or amends a previously-filed CTR. See

General Instruction 9 for additional instructions on filing corrected or amended CTRs. Check

box 1c "FinCEN directed Backfiling" if FinCEN directed the financial institution to file the

FinCEN CTR on a currency transaction or transactions not previously reported. If box 1b is

checked, the prior report’s Document Control Number (DCN) or BSA Identifier (BSA ID) must

be recorded in field 1d. Enter all zeros if the prior report DCN or BSA ID is unknown, for

example when the prior report was a paper filing. The BSA ID has replaced the DCN in

electronic filings.

Part I Person Involved in Transaction

Complete a separate Part I section on each individual or entity involved in the currency

transaction(s). Complete each Part I section with as much of the requested information as is

known about the individual or entity. Required items, denoted by an asterisk (*) in front of the

item number, must be completed by providing the data or by checking the “Unknown” box

associated with the item. There must be at least one Part I in the FinCEN CTR where either box

2a or box 2c was checked.

*2. a. Person conducting transaction on own behalf

b. Person conducting transaction for another

c. Person on whose behalf transaction is conducted

d. Courier service (private)

Item 2: Select option 2a to record in Part I information about a person who conducted the

reported transaction(s) on his or her own behalf. Option 2a cannot be selected if box 4b “If

entity” is checked. Select option 2b to record in Part I information about a person who

conducted the reported transaction(s) on behalf of someone else. Option 2b also cannot be

selected if box 4b “If entity” is checked. Select option 2c to record in Part I information about the

person on whose behalf the reported transaction(s) was/were conducted, if the person didn’t

conduct the transaction(s) on his or her own behalf. Select option 2d if the transaction(s) was

conducted by a private courier service, including an armored car company, engaged by the



person(s) on whose behalf the transaction(s) was/were conducted, and not by the reporting

financial institution. If option 2d is selected because an armored car service under contract with

the customer is involved in the transaction(s), the information on the armored car service, not

the individual agent of that armored car service, will be recorded in Part I (see FIN-2013-R001).

If option 2d is selected because a private courier other than an armored car service is involved

in the transaction, then the information on the individual agent of that private courier should be

recorded in Part I, in accordance with 31 CFR 1010.312. If box 2d is checked to indicate an

armored car service under contract with the customer then box 4b must be checked. If box 2d is

checked to indicate any other type of private courier under contract with the customer, box 4b

must not be checked.

NOTE: If more than one Item 2 option applies to a person involved in the transaction(s),

complete only one Part I on that person with only one entry in Item 2. Select “Courier Service”

if multiple options that include 2d “Courier service” apply. Select 2a “Person conducting

transaction on own behalf” if options 2a, 2b, and 2c or options 2a and 2b or options 2a and 2c

apply. Select 2b “Person conducting transaction for another” if both 2b and 2c apply.

3. Multiple transactions

Item 3 Multiple transactions: Check box 3 if multiple cash in or cash out transactions of any

amount were conducted in a single business day by or for the person recorded in Part I.

“Multiple transactions” is not the same as the Item 24 option “Aggregated transactions,” which

only involves multiple transactions all of which are below the reporting requirements.

* 4. Individual’s last name or entity’s legal name

a. (Check if) Unknown

b. (Check if) If entity

Item *4 Individual's last name or entity's legal name: Enter the individual's last name or the

entity's legal name. The entity legal name is the name on the articles of incorporation or other

document that established the entity. If an entity is being recorded in Part I, check box 4b “If

entity.” If box 2d is checked to indicate an armored car service under contract with the customer

then box 4b must be checked. If box 2d is checked to indicate any other type of private courier

under contract with the customer, box 4b must not be checked. Do not check box 4 “If entity” if

the person involved in the transaction is a sole proprietorship. See FinCEN Ruling FIN-2008-

R001 for additional information on reporting currency transactions that involve sole

proprietorships. As stated in FIN-2008-R001, FinCEN will continue to accept two Part I sections

(previously “Section A” on FinCEN Form 104) on sole proprietorships containing both the

personal and business information. Do not check box 4b if an individual’s name is entered in

Items 4-6. If the individual’s last name or entity’s legal name is unknown leave Item 4 blank and

check box 4 “Unknown.” Do not record also known as (AKA) or doing business as (DBA)

names in Item 4. Record these names instead in Item 8 “Alternate name.”



* 5. First name


Item *5 First name: Enter the individual's first name. If the first name is unknown leave item 5

blank and check box 5 “Unknown.” Do not record also known as (AKA) or doing business as

(DBA) names in Item 5. Record these names instead in Item 8 “Alternate name.”

6. Middle name and Name suffix

Item 6 Middle name: Enter the individual's middle name or middle initial. Leave this item blank

if the middle name or middle initial is unknown or does not apply. Do not record also known as

(AKA) or doing business as (DBA) names in Item 6. Record these names instead in Item 8

“Alternate name.”

Item 6 Name suffix: Enter the individual’s name suffix such as JR, SR, III, etc. if it is part of the

individual’s legal name. Leave this item blank if the suffix is unknown or does not apply.

7. Gender

a. Male

b. Female

c. Unknown

Item 7 Gender: Select the option “Male” or “Female” if the individual’s gender is known. Select

the option “Unknown” if the individual’s gender is unknown. Leave this item blank if the

person is an entity. Item 7 does not create an obligation for a financial institution to collect this

data when such collection would be in conflict with the financial institution’s obligations under

any other federal law.

8. Alternate name, e.g., AKA - individual or DBA - entity

Item 8 Alternate name: Enter the individual's also known as (AKA) name or the entity's doing

business as (DBA) name if different from the name entered in Items 4-6. Do not include the

acronyms AKA or DBA with the name. Do not enter AKA or DBA names in Items 4-6.

9. Occupation or type of business

a. NAICS Code

Item 9 Occupation or type of business: Record the occupation, profession, or type of business of

the individual or entity recorded in Part I. Use specific descriptions such as doctor, carpenter,

attorney, used car dealership, plumber, truck driver, hardware store, etc. Do not use non-

descriptive items such as businessman, merchant, retailer, retired, or self-employed. If words

like self-employed, unemployed, or retired are used, add the current or former profession if

known (e.g. self-employed building contractor, retired teacher, or unemployed carpenter).



Item 9a NAICS Code: Enter the North American Industry Classification System (NAICS) code

for the occupation or type of business entered in Item 9. Batch filers should only enter codes

from the list of NAICS Codes authorized for use in the FinCEN CTR and located on the BSA E-

Filing Web Site (http://bsaefiling.fincen.treas.gov/main.html) or from the NAICS list provided at

https://www.census.gov/cgi-bin/sssd/naics/naicsrch?chart=2012 .

* 10. Address (number, street, and apt. or suite no.)

x. (Check if) Unknown

Items *10 - *14 Person’s address items: Enter the person's permanent street address, city, two or

three letter state/territory/province abbreviation (U.S./Canada/Mexico only), ZIP Code or

foreign postal code, and two letter country abbreviation. Complete any address item that is

known, even if the whole address is unknown. If an address item is unknown, leave that item

blank and check box “Unknown.” See General Instruction 10 for additional information on

entering addresses.

* 11. City


* 12. State


* 13. ZIP/Postal code


* 14. Country code


* 15. TIN (enter number in space provided and check appropriate type below)


Item *15 TIN: Enter the person's U.S. or foreign taxpayer identification number (TIN) without

formatting or punctuation. If the number is unknown, check box 15 “Unknown” and leave Item

15 blank. See General Instruction 12 for information on entering identifying numbers.

16. TIN type

a. EIN


https://www.census.gov/cgi-bin/sssd/naics/naicsrch?chart=2012



b. SSN-ITIN

c. Foreign

Item 16 TIN type: Identify the type of TIN recorded in Item 15. Select option “EIN” if the person

has a U.S. Employer Identification Number (EIN). Select option “SSN-ITIN” if the person has a

U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Select

option “Foreign” if the person has a foreign TIN of any type. Box 4b also must be checked if the

foreign person is an entity. Enter the person’s TIN type if known even if the actual TIN is

unknown and Item 15a is checked. If a 9-digit TIN is entered in Item 15 but the TIN type is

unknown, select “EIN” if the person is an entity and “SSN-ITIN” if the person is an individual.

TINs that are not 9 digits are presumed to be foreign, so option “Foreign” would be selected.

* 17. Date of birth


Item *17 Date of birth: Enter the individual's date of birth in Item 17. Batch filers will use the

format MMDDCCYY format where MM = month, DD = day, CC = century, and YY = year. The

format MM/DD/CCYY must be used in Item 17 on the BSA E-Filing discrete FinCEN CTR. Any

single digit month or day must be preceded by a zero. If the birth day and or month is

unknown, enter “00” for the unknown day or month. For example, a date of birth with an

unknown day in February 1978 would be entered as 02001978. Do not enter zeros for the year if

the year is unknown. If the year of birth or the entire date of birth is unknown, check box 17

“Unknown” and leave Item 17 blank. If box 4 “If entity” is checked, Item 17 and box 17

“Unknown” must be blank.

18. Contact phone number (if available)

18a. Ext. (if any)

Item 18 Contact phone number: Enter the person's U.S. or foreign contact telephone number

with no formatting such as parentheses, spaces, or hyphens. If the telephone number is

unknown, leave item 18 blank. See General Instruction 11 for instructions on entering telephone

numbers.

Item 18a Ext. (if any): Enter the telephone extension associated with the contact telephone

number. Leave Item 18a blank if there is no extension or the extension is unknown.

19. E-mail address (if available)

Item 19 E-mail address: Enter the person's e-mail address if known. Include all formatting,

punctuation, and special characters in the e-mail address. An e-mail address must contain the

“@” sign with a period in the following text, e.g. [email protected] or

[email protected]. Leave Item 19 blank if the e-mail address is unknown.

*20. Form of identification used to verify identity:




b. (Check if) Driver’s license/State I.D.

c. (Check if) Passport

d. (Check if) Alien registration

e. Issuing State

f. Country

g. Number

z. (Check if) Other (and specify type in space provided)

Item *20 Form of identification: Enter in Item 20 the information used to identify the individual

or entity recorded in Item 4. Check box 20b if the identification was a driver's license or state ID,

box 20c if the identification was a passport or box 20d if the identification was an alien

registration. Check box 20z if a different identification was provided and describe that

identification in the "Other" text field. “Other” identification could include such things as an

entity’s business license or incorporation documents, corporate ID cards, local government ID

cards, etc. Enter the identification number in field 20g "Number." Do not include formatting

such as spaces, hyphens, or periods in the number. Enter the appropriate two or three-letter

abbreviation or code in field 20e "Issuing State" if the identification issuer was a U.S., Canadian,

or Mexican state, territory, or province. Enter the appropriate two-letter code in field 20f

“Country” if the issuer was a country. If field 20e “Issuing State” contains an entry, then 20f

“Country” must contain “US,” “CA,” or “MX” as appropriate. See General Instruction 10 for

information about the codes to be entered. If the identification issuer does not have a code in

this document, enter the two letter code for the issuer's country in field 20f. For example, if the

issuer was the London Police Department the code “GB” for United Kingdom would be entered

in 20f. Enter all identification data that is available. Check box 20a “Unknown” only if the

individual or entity is known and all identification information is unknown. See General

Instruction 12 for further information on entering identifying numbers.

21. Cash in amount for individual or entity listed in item 4

a. Acct. number(s) included in item 21

Item 21 Cash in amount: Enter the total cash in amount denominated in U.S. Dollars for the

person recorded in Item 4. This amount cannot be greater than the amount in Item 25 “Total

cash in.” Record the account numbers of all accounts involved in the transaction(s). See General

Instructions 12 and 13 for additional instructions on entering account numbers and amounts.

22. Cash out amount for individual or entity listed in item 4

a. Acct. number(s) included in item 22

Item 22 Cash out amount: Enter the total cash out amount denominated in U.S. Dollars for the

person recorded in Item 4. This amount cannot be greater than the amount in Item 27 “Total



cash out.” Record the account numbers of all accounts involved in the transaction(s). See

General Instructions 12 and 13 for additional instructions on entering account numbers and

amounts.

Part II Amount and Type of Transaction(s)

* 23. Date of transaction

Item *23 Date of transaction: Enter the date of the transaction(s) in Item 23. Batch filers will use

the format MMDDCCYY format where MM = month, DD = day, CC = century, and YY = year.

The format MM/DD/CCYY must be used in Item 23 on the BSA E-Filing discrete FinCEN CTR.

Any single digit month or day must be preceded by a zero.

24 a. (Check if) Armored car (FI contract)

b. (Check if) ATM

c. (Check if) Mail Deposit or Shipment

d. (Check if) Night Deposit

e. (Check if) Aggregated transactions

Item 24: Indicate whether any of the following delivery/payment methods were involved in any

part of the transaction(s). Check all that apply. Check box 24a “Armored Car” if a reported

transaction involved a pick-up or delivery of currency by an armored car service under contract

to the financial institution listed in Part III. Do not check box 24a if the armored car service was

under contract to a person recorded in Part I. Check box 24b “ATM” if a reported transaction

occurred at an automated teller machine (ATM). Check box 24c “Mail Deposit or Shipment” if a

reported transaction was made by mail deposit or shipment. Check box 24d “Night Deposit” if

a reported transaction involved a night deposit of cash. Check box 24e “Aggregated

transactions” if the financial institution did not identify any of the transactor(s) because the

FinCEN CTR reports aggregated transactions, all of which was below the reporting

requirement, and at least one of the aggregated transactions was a teller transaction. The option

“Aggregated transactions” is not the same as Item 3 “Multiple transactions,” which can involve

transactions that are above the reporting requirement.

*25. Total cash in

a. Deposit(s)

b. Payment(s)

c. Currency received for funds transfer(s) out

d. Purchase of negotiable instrument(s)

e. Currency exchange(s)

f. Currency to prepaid access



g. Purchase(s) of casino chips, tokens, and other gaming instruments

h. Currency wager(s) including money plays

i. Bills inserted into gaming devices

z. Other (specify)

Item *25 Total cash in: Record the total cash in amount involved in the transaction(s) if that

amount is greater than $10,000. Record the total amount on the “Total cash in” line and total or

subtotals on whichever of line 25a through 25i best describe the transaction or aggregated

transactions. If any portion of the total amount is not described by any of those options, record

that portion on line 25z and provide a brief description of the transaction(s) in the “Other” text

field. If the total amount of the cash in transaction or aggregated transactions is $10,000 or less,

do not record any amounts in Item 25. The total of the amounts recorded in fields 25a through

25z must equal the amount recorded in the Item 25 “Total cash in” field. The total cash in will

be automatically computed in BSA E-Filing discrete FinCEN CTR from the entries in 25a

through 25i and 25z. See General Instruction 14 for instructions on determining whether

transactions are reportable on a FinCEN CTR.

26. Foreign cash in

a. Foreign country (two letter code)

Item 26 Foreign cash in: If the cash in transaction(s) involved a foreign currency or currencies,

enter the total amount of each foreign currency in Item 26 and the two letter code for the

country that issued the currency in Item 26a. Complete an Item 26 and 26a for each foreign

currency involved. Do not convert amounts to U.S. Dollars. Round fractional amounts up to the

next whole amount. For example, 21,527.25 Euros would be recorded as 21, 528. See General

Instruction 10 for information about the codes to be entered.

*27. Total cash out

a. Withdrawal(s)

b. Advance(s) on credit (including markers)

c. Currency paid from funds transfer(s) in

d. Negotiable instrument(s) cashed

e. Currency exchange(s)

f. Currency from prepaid access

g. Redemption(s) of casino chips, tokens, TITO tickets, and other gaming instruments

h. Payment(s) on wager(s)(including race book and OTB or sports pool

i. Travel and complimentary expenses and gaming incentives

j. Payment for tournament, contest or other promotions



z. Other (specify)

Item *27 Total cash out: Record the total cash out amount involved in the transaction or

aggregated transactions if that amount is greater than $10,000. Record the total amount on the

“Total cash out” line and total or subtotals on whichever of line 27a through 27j best describe

the transaction or aggregated transactions. If any portion of the total amount is not described by

any of those options, record that portion on line 27z and provide a brief description of the

transaction in the “Other” text field. If the total amount of the cash out transaction or

aggregated transactions is $10,000 or less, do not record any amounts in Item 27. The total of the

amounts recorded in fields 27a through 27z must equal the amount recorded in the Item 27

“Total cash out” field. The total cash out will be automatically computed in BSA E-Filing

discrete FinCEN CTR from the entries in 27a through 27j and 27z. See General Instruction 14 for

instructions on determining whether transactions are reportable on a FinCEN CTR.

NOTE: In the casino industry “TITO” refers to ticket in/ticket out and “OTB” refers to off-track

betting.

28. Foreign cash out

a. Foreign country (two letter code)

Item 28 Foreign cash out: If the cash out transaction(s) involved a foreign currency or

currencies, enter the total amount of each foreign currency in Item 28 and the two letter code for

the country that issued the currency in Item 28a. Complete an Item 28 and 28a for each foreign

currency involved. Do not convert amounts to U.S. Dollars. Round fractional amounts up to the

next whole amount. For example, 21,527.25 Euros would be recorded as 21, 528. See General

Instruction 10 for information about the codes to be entered.

Part III Financial Institution Where Transaction(s) Takes Place

Prepare a separate Part III Financial Institution section for each financial institution branch

involved in the currency transaction or aggregated transactions. A branch is a transaction

location (such as an office or ATM) owned by the financial institution but located separately

from the financial institution’s headquarters.

* 29. Primary federal regulator

Item 29 Primary federal regulator: Identify the financial institution’s primary federal regulator

or BSA examiner from the following list. If more than one regulator option could apply, select

the regulator that has primary responsibility for enforcing compliance with the BSA. Option

“D” for Internal Revenue Service must be entered if the institution is subject to US law and none

of the other codes apply. The regulator options are:

A = Commodities Futures Trading Commission (CFTC)



B = Federal Reserve Board (FRB)

C = Federal Deposit Insurance Corporation (FDIC)

D = Internal Revenue Service (IRS)

E = National Credit Union Administration (NCUA)

F = Office of the Comptroller of the Currency (OCC)

G = Securities and Exchange Commission (SEC)

* 30. Legal name of financial institution

Item 30 Legal name of financial institution: Enter the legal name of the financial institution as

recorded on articles of incorporation or other documents establishing the institution. If an

individual’s name is recorded, enter the name in (first name) (middle name) (last name) or

equivalent format, e.g. John Jacob Doe or Richard R. Roe II, etc. An individual’s name might be

recorded when, for example, the financial institution is a sole proprietorship.

31. Alternate name, e.g., trade name, DBA

Item 31 Alternate name: If the financial institution recorded in Item 30 has a separate trade

name or doing business as (DBA) name, enter that name here. Do not enter a trade or DBA

name in Item 30 or a legal name in Item 31. Do not include acronyms such as DBA or AKA with

the alternate name.

* 32. EIN

Item 32 - EIN: Enter the financial institution’s Employer Identification Number (EIN). If the

financial institution is a sole proprietorship operating under the sole proprietor’s TIN, enter that

TIN in Item 32. See General Instruction 12 for information on entering identifying numbers.

* 33. Address (number, street, and apt. or suite no.)

Items *33 - *36. Financial institution address items: Enter the financial institution branch

location’s permanent street address, city, two-letter state abbreviation, and ZIP Code. See

General Instruction 10 for information about the codes to be entered. Provide a suite number if

known. A non-location address such as a post office box or rural route number should be used

only if the street address information is not available. ZIP Codes must be five or nine digits. See

General Instruction 10 for additional instructions on entering addresses.

* 34. City

* 35. State

* 36. ZIP Code



* 37. Type of financial institution (Check only one)

a. (Check if) Casino/Card club

b. (Check if) Depository institution

c. (Check if) MSB

d. (Check if) Securities/Futures


Item *37 Type of financial institution: Check the appropriate option to identify the type of

financial institution recorded in Item 30. If option 37z “Other” is selected, enter a brief

description of the financial institution in the associated text field.

38. If 37a is checked, indicate type (Check only one)

a. (Check if) State licensed casino

b. (Check if) Tribal authorized casino

c. (Check if) Card club


Item 38 Type of gaming institution: If box 37a “Casino/Card club” is checked, check the

appropriate Item 38 box to indicate the type of gaming institution. If box 38z is checked, record

a brief description in the associated “Other” text field.

39. Financial institution ID number (Select one option to indicate type)

a. Central Registration Depository (CRD) number

b. Investment Advisor Registration Depository (IARD) number

c. National Futures Association (NFA) number

d. Research, Statistics, Supervision, and Discount (RSSD) number

e. Securities and Exchange Commission (SEC) number

f. ID number

Item 39 Financial institution ID number: Select the appropriate option from 39a through 39e to

record the type of identification number being entered for the financial institution. Enter that

number in field 39f “ID number.” Leave Item 39 blank if these options do not apply to the

financial institution. See General Instruction 12 for information on entering identifying

numbers.

* 40. Contact office



Item *40 Contact office: Enter the name of the financial institution office that should be

contacted to obtain additional information about the report.

* 41. Phone number

a. Ext. (if any)

Item 41 Phone number: Enter the financial institution’s contact telephone number. See General

Instruction 11 for additional instructions on entering telephone numbers.

Item 41a Ext. (if any): Enter the telephone extension associated with the contact telephone

number. Leave Item41a blank if there is no extension.

42. Date filed

Item 42 Date filed: Enter the date a batch filed FinCEN CTR is filed in MMDDCCYY format

where MM = month, DD = day, CC = century, and YY = year. Single digit days or months must

be prefaced by a zero. This date will automatically be added to a discrete FinCEN CTR when a

filer signs the FinCEN CTR.



Batch File Sample Layouts Submitting batch files in the correct format is vitally important because improperly formatted files may be rejected and can result in data entering FinCEN’s System of Record database incorrectly. Batch filers will use the Financial Institution Where Transaction(s) Take Place (2B) Record for reporting this information. The 2B record identifies information regarding the financial institution where transaction(s) took place. The number of 2B records is dependent on the number of branches the Parent Financial Institution Information (2A) record is reporting on the file. There must be at least one 2B record for each financial institution reporting under the 2A Record. Filers are permitted to associate up to 999 2B records for a single currency transaction report. The 2B record precedes all transaction records for the financial institution. Multiple 2B records involving the same transactions(s) must be grouped together prior to the associated Transaction Summary (3A) Record(s).

General Rules:

Following are general rules for creating batch files with the required record layout.

1. Records must be entered in a batch file and in individual CTRs in alphanumeric

order. For example, a primary Person Involved in Transaction(s) (4A) Record

cannot precede a primary Transaction Summary (3A) Record. A subordinate

Account Number (Cash-out) (4C) Record cannot precede a subordinate Account

Number (Cash-in) (4B).

2. Subordinate records must follow the specific primary record they are associated

with. A 4B record must follow the 4A record of the person associated with the

cash-in account number. Do not, for example, place all 4B records following the

last of multiple 4A records unless the 4B records are only associated with the last

of multiple 4A records.

3. Individual subordinate records cannot be associated with multiple primary

records. If two primary 4A record subjects are involved with the same cash-in

account number, each 4A record must be followed by a separate subordinate 4B

record containing that that account number. A 4B record following a second 4A

record is not associated with the first 4A record. A 4B record following the first of

two 4A records is not associated with the second 4A record.

4. There can be up to 999 4B records in a single CTR.

5. There can be up to 99 of each of the subordinate 3B and 3C records associated with

each primary 3A record in a batch file.

6. There can be up to 99 of each of the subordinate 4B and 4C records associated with

each primary 4A record in a batch file.

7. Do not include blank subordinate records in a CTR. If a transaction does not

involve a cash-out account, there will be no Account Number (Cash-out) (4C) in

the CTR.



8. Do not include duplicate records in a CTR. A duplicate record occurs when one

record is followed by a second record of the same record type that contains exactly

the same data as the prior record. Batch File Layouts:

Table 1 (below) contains examples of the two batch filing formats involving multiple 2B records

that would meet the technical specifications for the FinCEN CTR so the file would be

technically acceptable for submission into the BSA E-Filing System as well as permit the data to

be loaded properly to reflect the correct associations between the 2B and 3A record(s).

Table 1 - Batch File Sample Layouts Scenarios

CTR-1: two transactions, each in a different branch (Branch 1, Branch 2)

CTR-2: one transaction in a single branch (Branch 3)

CTR-3: two transactions, each in a different branch (Branch 1, Branch 3)



The difference between the two batch layouts involves CTRs 4 and 5 filed on transactions that only occurred at

Branch 4. In one variant both CTRs follow a single 2B record on Branch 4 while in the other variant CTRs 4 and 5

each follow a separate Branch 4 2B record. In the first variant only CTR 5 is followed by a 9A (Branch Summary)

record while in the second variant both CTRs are followed by separate 9A records. CTRs involving the same

branch or set of branches can all follow a single branch 2B record or set of 2B records. Filers have the option of

preceding each of such CTRs with separate 2B records or sets of 2B records. In the following variants the records

are indented to show subordinate relationships.

Batch Layout (Variant A):

1A (Transmitter)

2A (Parent Financial Institution)

2B (Branch 1)

2B (Branch 2)

3A (CTR-1)

3B (Foreign Cash-in)

3C (Foreign Cash-out)

4A (Subject 1)

9A (Branch summary)

2B (Branch 3)

3A (CTR-2)

4A (Subject 1)

4C (Cash-out Account)

9A (Branch summary)



2B (Branch 1)

2B (Branch 3)

3A (CTR-3)

4A (Subject 1)

4B (Cash-in Account)

4A (Subject 2)


9A (Branch summary)

2B (Branch 4)

3A (CTR-4)

4A (Subject 1)

3A (CTR-5)

4A (Subject 1)


9A (Branch summary)

9B (FI Summary)

9Z (File Summary

Batch Layout (Variant B):

1A (Transmitter)

2A (Parent Financial Institution)

2B (Branch 1)

2B (Branch 2)

3A (CTR-1)

3B (Foreign Cash-in)

3C (Foreign Cash-out)

4A (Subject 1)

9A (Branch summary)

2B (Branch 3)

3A (CTR-2)

4A (Subject 1)


9A (Branch summary)

2B (Branch 1)

2B (Branch 3)

3A (CTR-3)



4A (Subject 1)


4A (Subject 2)


9A (Branch summary)

2B (Branch 4)

3A (CTR-4)

4A (Subject 1)

9A (Branch summary)

2B (Branch 4)

3A (CTR-5)

4A (Subject 1)


9A (Branch summary)

9B (FI Summary)

9Z (File Summary



Secure Data Transfer Mode Users For filers using this option for filing, SDTM users can submit a single file containing the FinCEN

CTR batch data. The file naming convention is as follows:

Submission type - BCTRST

Date/Time - This will be a date-time stamp to guarantee filename uniqueness

year – YYYY

month – MM day – DD

hour – hh

minute – mm

second – ss

Organization name –custom naming by the submitting organization.

Example file name:

BCTRST.20120609153015.BANKORGNAME

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